vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I do not normally check messages/notifications on a credit card 's website because they are usually trying to get me to increase my limit or purchase some other product, so I did not see their pdf dated XX/XX/year> " confirming my request to cancel autopay on my Visa account '', until my card was declined, I went to their messages and saw it XXXX. By then they'd charged XXXX late fees and XXXX interest charges totaling {$110.00}. I was told I was emailed the original cancellation confirm XX/XX/year> but I never received it. 

I'm attaching the website messages between us which also show my phone call attempts to clear this up. I opened a dispute with them, repeatedly requested proof of my alleged autopay cancellation, and when I learned that I needed to allow them 90 days to investigate this I paid my balance in full, including the disputed charges, and re-set-up autopay. 

I did receive a letter dated XX/XX/year> from the dispute dept saying that they were looking into this. On XX/XX/year>, approx 90 days later I sent them a letter and received their XX/XX/year> letter telling me to allow 90 days for them to complete their investigation!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
LexisNexis responded to my complaint that they could not verify my identity. I have notice that LexisNexis has used this stall tactic previously even when I submitted all my identification documents. I included my identification and proof of my residence which matches my identification. There is no reason to respond with the generic response that you are unable to verify my identity. LexisNexis has XXXX business days from the filing of this dispute to provide me with my full consumer file that they have on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/year> Consumer Financial Protection Bureau Supervisor, XXXX Department XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX TransUnion XXXX, XXXX Department XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX, XXXX Department XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX Department XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. 

I am sure you are aware and understand that it is required by Federal law that XXXX XXXX XXXX must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost. 

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, XXXX XXXX Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report. 

XXXX thanking you in advance for attending to my requests promptly XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: NM

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the specific issues with this account : XXXX. Late Payments Reported on a Closed, Paid Account : Despite the account being marked as Closed with a {$0.00} balance and Current payment status, the payment history includes multiple XXXX late marks. If the account is paid and closed, late payments should not persist unless accurate and verifiable. 
XXXX. Inconsistent Comments Across XXXX : XXXX : Closed. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Closed or paid account/XXXX  balance XXXX. 
These comments are inconsistent and XXXX mislead lenders about the resolution of disputes. 
XXXX. Failure to XXXX Update or XXXX Disputes : Dispute-related comments remain on the account, even though it has been resolved and paid. This suggests a failure to update the status, violating the FCRAs accuracy standards. 
XXXX. Inconsistent Reporting Across Bureaus : Minor discrepancies in dates, such as the Date Last Active and Last Reported dates, differ slightly among the bureaus. While this might seem minor, it reflects a lack of synchronization. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The inconsistencies in comments, late payments, and reporting dates violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes have been filed and inaccuracies persist, the credit bureaus may have failed to investigate and correct the errors properly. 
XXXX. XXXX XXXX. XXXX ( a ) : XXXX XXXX XXXX : The creditor ( XXXX XXXX ) XXXX have furnished inaccurate or misleading information regarding payment history and dispute resolution. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) : XXXX XXXX XXXX XXXX : If the late payments are outdated or unverifiable, they should not appear on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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:
I am submitting this formal complaint regarding the unlawful and improper practices of XXXX, Equifax, and XXXX ( collectively referred to as the " Credit Reporting Agencies '' or " CRAs '' ) related to the illegal reporting of my transaction history. Below, I detail the specific issues and violations of federal law : I am formally opting out of any and all authorizations I may have givenwhether written, verbal, unwritten, or impliedfor the CRAs to share reporting of my transaction history Under 15 U.S.C. 6801, financial institutions and their agents are bound by an affirmative and continuing obligation to respect the privacy and confidentiality of consumers ' non-public personal information. Reporting transaction history without explicit consent violates this statute. 

Violation : XXXX, XXXX, and XXXX have engaged in the unauthorized reporting of my transaction history, which is illegal without my consent. 

Impact : This unauthorized action directly undermines the XXXX mandate for safeguarding consumer privacy, as outlined in the Gramm-Leach-Bliley Act and its supporting provisions under the FCRA Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX Unlawful Reporting of Charged-Off Debt as Income Under federal law, charged-off debts are considered income for tax purposes when reported to the IRS via a XXXX XXXX. However, income is not a permissible category for reporting on consumer credit reports under the Fair Credit Reporting Act ( FCRA ). The FCRA and related case law establish that consumer credit reports must only contain accurate and permissible information directly related to creditworthiness, not income classifications. 

Violation : XXXX, Equifax, and XXXX are unlawfully reporting charged-off debts as derogatory trade lines on my credit report despite their reclassification as " income '' under IRS regulations XXXX This constitutes a clear violation of the FCRA because income, especially income derived from forgiven debt, is not authorized for inclusion in consumer credit reporting. 

Supporting Legal Precedents : XXXX XXXX. XXXX ( a ) : Restricts the type of information that can appear on a consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emphasized that misleading information on credit reports can violate the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Highlighted the importance of accurate classification of debt in credit reporting. 
Impact : The misreporting of charged-off debt as a derogatory item when it should be classified as income causes severe harm to my credit profile and undermines my creditworthiness. Additionally, it subjects me to undue financial and reputational harm by inaccurately portraying my financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by XXXX & XXXX XXXX to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money & was successful in creating some accounts. All is being investigated by the FTC.

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 2024-12-01 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: TX

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. There are a lot of inaccuracies on my credit report that needs to be immediately removed until proven the information can be proves that it is valid. I have her attached & highlighted everything in XXXX. Experian, XXXX XXXX XXXX are listed in the attachment. Accuracy and fairness of credit reporting should be reported & these things are not accurate. There are non mailable address being reported which are also highlighted. I have no way of receiving mail to highlighted address so this would be mail fraud 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 explanation
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamtion of character ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-02 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: AZ

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

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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, which you claim I owe. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by 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 2024-12-01 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
i filed an dispute with XXXX, XXXX, and exprerian about the negative items on my account such as student loans that was forgiving in XX/XX/XXXX by XXXX XXXX school forgiveness program its still showing as an negative remark on all XXXX reports. 

Dept of ED /XXXX amount $ XXXX {$2100.00} statuas says pays account as agreed admore finance amount {$670.00} XXXX i dispute not my account XXXX XXXX  amount : {$60.00} XXXX i did dispute this its not my account XXXX XXXX amount : {$470.00} XXXX i disputed not my account XXXX XXXX amount {$210.00} XXXX i paid this is full and it still shows up as an negative remark on credit reports this is mines, i disputed and still not resolved XXXX XXXX  amount {$12000.00} open XX/XX/XXXX i disputed not my account and it shows paid in settlement but still on my report National credit adjustor amount {$1200.00} open XXXX i dispute not mines my year of birth is wrong on my experian

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
i filed an dispute with XXXX, XXXX, and XXXX about the negative items on my account such as student loans that was forgiving in XX/XX/XXXX by XXXX XXXX school forgiveness program its still showing as an negative remark on all XXXX reports. 

Dept of ED /nelnet  amount $ XXXX {$2100.00} statuas says pays account as agreed admore finance amount {$670.00} XXXX i dispute not my account XXXX XXXX amount : {$60.00} XXXX i did dispute this its not my account XXXX XXXX amount : {$470.00} XXXX i disputed not my account XXXX XXXX amount {$210.00} XXXX i paid this is full and it still shows up as an negative remark on credit reports this is mines, i disputed and still not resolved XXXX XXXX amount {$12000.00} open XX/XX/XXXX i disputed not my account and it shows paid in settlement but still on my report XXXX XXXX XXXX amount {$1200.00} open XXXX i dispute not mines my year of birth is wrong on my experian

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: MOHELA
State: IN

Complaint narrative:
I have previously requested full disclosure of the account ledger informing me of any and all fees related to this student loan account. I dispute the account balance because my records show this account should be more than paid in full with XXXX XXXX XXXX XXXX and then XXXX  who have sold my loan so many times without providing me with requested information missing on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NC

Complaint narrative:
XXXX, TransUnion, XXXX, XXXX XXXX, XXXX XXXX are all in willful violation of FCRA 1681N due to discrimination practices and failing to closely monitor identity theft. I informed all of possible identity theft and three times my wallet was stolen with all my information including bank account numbers and social security cards. I reported this information to the above stated names but nothing was done. A fraudulent company requested my information to the above said names and not only did the companies above provide my information, the fraudulent company ( XXXX  XXXX XXXX XXXX ) accessed my account and added themselves as my place of employment.15 USC 1681B I did not get paid by the company and they have access to all my information. RHA behavioral health was also added right afterwards as my place of employment. I have security freeze on all three credit bureaus but other places of employment still accessed information. XXXX continues to charge me XXXX for being a member but I did not sign up for anything to be charged. I have so many hard inquiries from a dealership sending out multiple request for credit on my account. They also provide false information. My privacy rights have been violated and I demand something be done or I will start lawsuit. 18 USC 1028 please advise or assist.

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