vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
Dear Credit Bureau, I recieved a copy of my credit report and i have found the follwoing items listed below to be in error. These accounts are listed with late or missed payemnt and that is incorrect. the follwing accounts wer NEVER late and should be listed as PAYS or PAID AS AGREED. 


XXXX XXXX XXXX XXXX ACCOUNT # XXXX I was Never Late on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on this Account Please Update the account as PAID/CURRENT. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinventigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your helping this matter, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian.com has a membership to lock your account that they promote. They do not promote their free credit freeze, nor do they make it available to consumers are in need to freeze their credit without having to pay a membership fee. They force you into a membership to lock your account because you can not find credit freeze easily on their site or app. 

The representative I spoke to today XX/XX/2024 gave me information and steps to find and it was not under the credit or protection area of their site. 

I had to search their FAQ 's on locks to see the freeze option. This is predatory marketing to get people who are trying to stop fraud on their account to pay for a service that should be free. There should be no lock option we have to pay for. 

A refund for my {$24.00} was given but sadly wonder how many people in a panic have been coned into getting a membership to lock their credit report when they could have placed a freeze for free. Even in this site link below the links and how to get to the site to do this freeze is not promoted the same way that the lock is. 

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 monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
XXXX XXXX, XXXX is reporting incorrectly. They are reporting that my account is still delinquent as of XX/XX/XXXX, but it was paid off in XX/XX/XXXX. I did dispute this with XXXX XXXX XXXX which was the original creditor. Also, XXXX has reported to the bureaus according to XXXX XXXX XXXX that there is a medical code on the account. Which is also inaccurate because it is not medical. XXXX XXXX put the issues of the reporting errors on XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
XXXX XXXX, XXXX is reporting incorrectly. They are reporting that my account is still delinquent as of XX/XX/XXXX, but it was paid off in XX/XX/XXXX. I did dispute this with XXXX XXXX XXXX which was the original creditor. Also, XXXX has reported to the bureaus according to XXXX XXXX XXXX that there is a medical code on the account. Which is also inaccurate because it is not medical. XXXX XXXX put the issues of the reporting errors on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX is reporting incorrectly. They are reporting that my account is still delinquent as of XX/XX/XXXX, but it was paid off in XX/XX/XXXX. I did dispute this with XXXX XXXX XXXX which was the original creditor. Also, XXXX has reported to the bureaus according to XXXX XXXX XXXX that there is a medical code on the account. Which is also inaccurate because it is not medical. XXXX XXXX put the issues of the reporting errors on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I'm currently in the process of securing a mortgage loan to purchase a house. Through this process it was brought to my attention that I had duplicated XXXX loans on my credit report that was generated on XX/XX/XXXX by XXXX XXXX. I contacted XXXX XXXX immediately to get a better understanding on why my loans appeared to be duplicated. XXXX XXXX was able to give me the information needed to determine that the duplication was happening with XXXX. The other XXXX credit bureaus, XXXX and XXXX, are not showing this erroneous information. I reached out to XXXX to receive a copy of my report on their end which showed that I had the same loans open with both Department of Education NelNet and XXXX. However, this should not be the case because in XXXX of XXXX, my loans were transferred from NelNet to XXXX. I opened a dispute with XXXX to have the balances with NelNet updated to the correct amount which should be XXXX. However, Nelnet responded to the dispute that my accounts were valid. I contacted NelNet right away and spoke with them several times throughout the last few weeks. Each time, Nelnet assured me that my balances for all the accounts were XXXX but due to a " consumer suppression '', they were unable to report anything other than the last report that they had for my loans which was a report generated in XXXX of XXXX that showed that my loans were still active with Nelnet. By Federal Law, XXXX is required to verify that all of information on my account is 100 % accurate. This is not the case at moment because I have on my XXXX credit report balances with Nelnet when in fact those balances should be XXXX. I would really appreciate any help that I can receive in this matter because this is negatively and severely impacting my mortgage loan approval. I will be attaching documents with all of the accounts from Nelnet showing that they were transferred and have XXXX balances. Also, I will attach letters from both Nelnet and XXXX stating my loans were transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: MA

Complaint narrative:
XXXX XXXX XXXX account number XXXXXXXX XXXX i have never open a XXXX XXXX bank account it has reported on y Experian as late payment date was open was XX/XX/2023 the amount is {$600.00} I have no knowledge of this account please remove this account on 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 explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
It is unreasonable that my history of timely payments for this account is not being acknowledged. I kindly request immediate action to update my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
It is unreasonable that my history of timely payments for this account is not being acknowledged. I kindly request immediate action to update my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: GA

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 Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: GA

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 Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has XXXXiolated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account Name : XXXX XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
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 Account Number:XXXX  Account Name XXXX XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BUSEY BANK
State: IL

Complaint narrative:
I was looking at our checking account transactions and noticed that on XX/XX/2024, {$130.00} was taken for XXXX, which doesn't cost nearly that much. The transaction says " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

I looked them up and wrote to them, but got no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I need a 1099 c form if XXXX XXXX wrote of the debt with the IRS. Theyre required to do so. I want the company they hired without my permission break a law and giving them my identity and information without my consent. Transworld systems INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: MO

Complaint narrative:
Hello, I need MOHELA to immediately correct an error on my account. On XX/XX/2024, I paid the full balance of my principal + interest for two of my unsubsidized loans, namely one with a balance of {$1300.00} and the other of {$690.00}. Rather than documenting this loan as fully paid, MOHELA did financial gymnastics to split my payment between the principal balance and interest, somehow crediting a few extra cents towards my interest ( which had not even been accrued yet! ), which forced me to maintain a balance of a few cents for MOHELA to leech extra interest off of my account. When I made a payment of the FULL balance on my account, I expect that MOHELA show this bill as satisfied. These practices are ridiculous and I will not tolerate it. I paid off the full balance of my account at the time of my payment on XXXX. I want these payments credited as such and I want MOHELA to rightfully document that these two loans have been satisfied as paid off. Please correct this error immediately. I will continue to message and call MOHELA every day until this matter has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: VA

Complaint narrative:
I am writing to dispute an unauthorized inquiry that appears on my credit report. I did not authorize this inquiry, and I believe it may be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: EdFinancial Services
State: GA

Complaint narrative:
I didnt receive no education from this school, I didnt get no loan from them, I was suppose to return to school after my maternity leave and all schools was closed, school was a complete scam and now these loans are messing my credit up

Company response to consumer: Closed with explanation