vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of several accounts on my credit reports across the XXXX major credit bureaus ( XXXX, TransUnion, and XXXX ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

XXXX XXXX : There was no notice of dispute provided, in violation of FCRA Section 623 ( a ) ( 3 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The account was deleted off XXXX but remains on TransUnion and XXXX, without proper dispute notice, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : There is an account on XXXX with a balance of {$1200.00} and an open date of XX/XX/XXXX that was not deleted. Additionally, there was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
Another XXXX XXXX XXXX  account is listed on all three bureaus with a balance of {$1600.00}, no notice of dispute, an open date of XX/XX/XXXX, and inconsistent payment history. This account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, in violation of FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by over a year and is still listed on TransUnion and XXXX, violating FCRA Section 605 ( c ). 
XXXX is showing a late payment on a collection account, which is improper. 
XXXX XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ). 
The account has been re-aged by two years, violating FCRA Section 605 ( c ). 
XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged and there is inconsistent payment history across the XXXX credit bureaus, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 
XXXX : Only listed on XXXX with no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : Another account is listed on all three bureaus with a balance of {$1600.00}, an open date of XX/XX/XXXX, no notice of dispute, and inconsistent payment history. The account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The payment history is inconsistent, and the account has been re-aged, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 

Please find attached copies of my credit reports from XXXX, TransUnion, and XXXX, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.

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 2024-09-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of several accounts on my credit reports across the three major credit bureaus ( Experian, XXXX, and XXXX ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

XXXX XXXX : There was no notice of dispute provided, in violation of FCRA Section XXXX ( a ) ( XXXX ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The account was deleted off XXXX but remains on XXXX and Experian, without proper dispute notice, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : There is an account on Experian with a balance of {$1200.00} and an open date of XX/XX/XXXX that was not deleted. Additionally, there was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
Another XXXX XXXX XXXX  account is listed on all three bureaus with a balance of {$1600.00}, no notice of dispute, an open date of XX/XX/XXXX, and inconsistent payment history. This account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, in violation of FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by over a year and is still listed on XXXX and Experian, violating FCRA Section 605 ( c ). 
XXXX is showing a late payment on a collection account, which is improper. 
XXXX XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by two years, violating FCRA Section 605 ( c ). 
XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged and there is inconsistent payment history across the three credit bureaus, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 
XXXX : Only listed on Experian with no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : Another account is listed on all three bureaus with a balance of {$1600.00}, an open date of XX/XX/XXXX, no notice of dispute, and inconsistent payment history. The account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ). 
The payment history is inconsistent, and the account has been re-aged, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 

Please find attached copies of my credit reports from Experian, XXXX, and XXXX, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I'm a XXXX XXXX who open checking accounts numbers in XXXX XXXX XXXX, before sort codes was perfected. 
XXXX. I delivered a cash deposit of XXXX XXXX use dollars XXXX. Passport, plane tickets, XXXX. XXXX  flight {$11000.00} round trip. 
XXXX. XXXX terminal ohare airport XXXX Problem. I lost all my checking account numbers XXXX. Specifically my driver license.

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 2024-09-16 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: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial 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 non-monetary relief
Consumer complaint received 2024-09-17 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: OR

Complaint narrative:
I am currently a full-time student and my loan servicer is MOHELA. MOHELA keeps taking my payments & refusing to apply the to my principal balance. They hold onto my payments and wait multiple months, while these loans continue to accumulating interest, and refuse to apply them to my principal balance. 

On XXXX, I made a {$260.00} payment that MOHELA didn't post until XXXX. The payment was posted to an unsubsidized loan, and the interest MOHELA charged me during that period is still on my principal balance. They refuse to remove it. 

On XXXX, I made a {$950.00} payment that MOHELA refuses to post on my loan amount & principal balance. This payment is suppose to pay off the entire unsubsidized loan amount. However, MOHELA refuses to tell my why my payment won't post. They said they " received it '', and say all they can do is make a claim with their acounting department. 

I made XXXX claims with their 'accounting department ' over the XXXX XXXX months from the first payment they refused to post to my account. Not XXXX person contacted via phone, text, email, or mail. 

I really need help! This has given me countless XXXX XXXX, because MOHELA refuses to post my payments when I make them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: American Credit Acceptance, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX Subject : Dispute of Inaccurate Reporting Under FCRA Dear American Credit Acceptance, I am writing to formally dispute the reporting of my account with your company, as it pertains to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). This section clearly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I would like to bring to your attention American Credit Acceptance, which I understand is associated with this account, can not collect on a discharged debt. This debt is now considered a certificate of indebtedness per the IRS, and it is my understanding that income associated with this charge-off can not be reported as it is defined as gross or ordinary income by the IRS. 

As such, the reporting of this account on my consumer report is inaccurate and misleading. According to IRS guidelines, income derived from a charge-off should not appear on a consumer report, and therefore, I am requesting that you review this situation and correct the information you have provided to the consumer reporting agencies. 

I kindly ask that you take immediate action to ensure that my credit report is accurate and free from misinformation. I would appreciate email confirmation of your findings and any actions taken in response to this dispute. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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:
RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX {$4700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have tried contacting the company several times Through mail and CFPB and nothing gets rectified. Theyve done a full investigation and have just updated numbers incorrectly on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: IL

Complaint narrative:
I am writing to urgently notify you that I have fallen victim to identity theft, resulting in the addition of unauthorized accounts to my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to correct this issue. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the removal of these fraudulent accounts from my credit report to restore its accuracy.

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 2024-09-16 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 explanation
Consumer complaint received 2024-09-16 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: DC

Complaint narrative:
These late payments are not in line with my typical payment behavior.

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 2024-09-16 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have already contacted the company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and put the same Incorrect numbers Back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: LEXISNEXIS
State: MI

Complaint narrative:
After sending complaints here in CFPB these BANKRUPTCY reports are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I requested why a company would charge XXXX dollars over for a loan of XXXX dollars. They explained the interest is very high : yet never explained my total amount due overall would be over XXXX dollars. they also explained I still owe the company money after so much money has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial 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 2024-09-16 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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