vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

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 2024-11-18 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, this incorrect name and address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19 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: IN

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX XXXX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MT

Complaint narrative:
On XX/XX/year> I was shopping for a vehicle and upon applying for a loan I was shocked to discover a loan with a company that I have never heard of included in my Experian credit report. This is an auto loan with XXXX XXXX. I called XXXX XXXX to request information about this loan, and why it is on my credit file. I only have one auto loan with a different company for a different vehicle and a very different balance. XXXX XXXX told me that the account I referred to does not belong to me. The confirmed that the account belongs to an individual with a different name, and a different social security number than the one I provided. They concluded that I am not the account holder, and they reported to me that they were documenting notes regarding the situation on the account file so that Experian could resolve the issue. I then filed a dispute with Experian on XX/XX/year>XXXX  regarding the account with XXXX XXXX belonging to an individual with a different name and social security number on my credit file. I informed them of my conversations with representatives from XXXX XXXX in which they confirmed that the account does not belong to me. Experian claims to have finished investigation the dispute on XX/XX/year>XXXX  and they claim that this loan belongs to me. I am not the account owner for the referenced loan. XXXX XXXX knows I am not the owner. Experian claims that they have verified me to be the owner. The owner has a different name and a different social security number. This loan is having a very negative impact on my ability to obtain any financing, and it is not my loan. Neither XXXX XXXX nor XXXX are reporting this particular account to belong to me, only 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 2024-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
My prior apartment charged me for cleaning/damages for {$910.00} beyond my security deposit which they retained. I had paid {$350.00} for a cleaner to clean the apartment ( through the leasing office ) thoroughly, but they sent me pictures of a dirty apartment before the cleaners even arrived. I disputed this charge, so they sent the bill to a debt collector. After calling me every day asking for immediate payment, I asked the debt collector on XX/XX/year>, for detailed information regarding the debt that I believed to be illegitimate. They did not respond until today, XX/XX/year>, after I filed a complaint with XXXX after the collection showed up on my credit report. They did not tell me I could dispute this debt, so I wasn't aware until XXXX recommended it after the collection appeared on my credit report. The debt collector also charges interest on this debt of {$22.00} even though no interest was originally charged on this cleaning fee. The debt collector has also offered 20 % off the loan if I pay within " the next 30 days '' which led me to think this may even be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: OH

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to all bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-11-19 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: OH

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to all bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Please delete the following accounts : XXXX XXXX Acct Number XXXX XXXX XXXX XXXX XXXX, Acct Number XXXX XXXX XXXX XXXX  XXXX XXXX Acct Number XXXX XXXX XXXX XXXX XXXX, Acct Number XXXXXXXX XXXX XXXX XXXXXXXX Acct Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
At the XXXX XXXX XXXX XXXXXXXX from XXXX  to XXXX  with a total amount of {$250000.00} owed. Department of Education was able to retrieve and have my account cleared of {$3000.00} in XXXX of XXXX  due to XXXX  charging me for a semester that I did not attend school and my degree was mailed to me afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/year>XXXX  on my XXXX Money Network debit card there was a transfer of {$2800.00} to a unknown personal bank account of which I DID NOT AUTHORIZE! I then called Money Network to file a dispute and fraud claim on it. They also closed my account and said they would send me a check when resolved. I provided as much information as I could and followed up on them several times.They said there was a phone number change on my account as well on XX/XX/year> at XXXX. After several attempts to resolve it they then did not take the proper time to investigate. They denied my claim and said they did not see no error because it was under my name to a XXXX XXXX  acct, XXXX XXXXXXXX. I then called to talk to a supervisor to request information several times and finally recieved some information and filed an appeal to which they denied. So I am on my 2nd attempt to file another appeal. It seems someone had my online information to change the phone # and send a money transfer as well. Money Network ( which is XXXX, XXXX. ) is no help at all. Ive also did my research and found several reddit posts about similar issues so I went this route. I just want my {$2800.00} back.

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 2024-11-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently reviewed my credit report and noticed several fraudulent inquiries. Please remove these fraudulent inquiries as it is impacting my ability to obtain new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
It is my personal statement that the inquiries that I have listed are fraudulent and a result of identity theft and need to be deleted from my Comsumer report pursuant to 15 USC 1681c-2 within four business days of your receipt of this report. Also, pursuant to the FCRA and 15 USC 1681e ( b ) you must maintain accurate records of my personal information within these reports at all times. Please update my personal information to reflect accurately. 

Please see attached Identity Theft 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning and have no idea why they're there. I routinely check my report, but this time I noticed unexpected discrepancies. Even after refreshing my browser, hoping it was a glitch, the inquiries remained. Im extremely frustrated and demand a thorough review of the documents Ive provided to ensure this issue is resolved immediately and permanently.

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 2024-11-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted Equifax on XXXX to let them know that the Illinois Department of Revenue sent me a letter letting me know that my private information had been exposed in a data breach and unknown persons now have access to my social security number, birth date and other sensitive information. Months after receiving the letter creditors that I have never done business with started to call and mail me about debts that I know nothing about. I contacted the Federal Trade Commission and they advised me to contact the credit bureaus. I contacted Equifax and sent them a copy of a police report I made about the incident, an FTC identity theft report and the letter from The Illinois Department of Revenue discussing the data breach where my private information was exposed. It has been more than 30 days and Equifax has not removed the fraudulent accounts from my credit report. This is a violation of the FCRA willful non-compliance. The accounts that need to be removed are XXXX XXXX {$2900.00} Opened XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} Date Opened XX/XX/XXXXXXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9600.00} Date Opened XX/XX/XXXXXXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Date Opened XX/XX/XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original filing XXXX XXXX, XXXX  Latest status dateXXXX XXXX XXXX  Reference XXXX Record typeBankruptcy XXXX  XXXXdismissed US BKPT CT IL XXXX Original filing dateXXXX XXXX XXXX Latest status dateXXXX XXXX XXXX Reference XXXX Record typeBankruptcy XXXXXXXX XXXX-dismissed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: ME

Complaint narrative:
I recently reviewed a copy of my credit report and notice I have Fraudulent accounts on my report. Please remove these accounts from my credit report. they are hurting my ability to obtain credit.. 

The accounts as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX  {$7300.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX  {$7100.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  {$16000.00} XXXX  XXXX Reported : XXXX XXXX, XXXX  {$490.00} US DEPT OF EDUCATION XXXX Reported : XXXX XXXX, XXXX - {$690.00} In good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
My account with XXXX 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 XXXX, XXXX, XXXX, AND XXXX 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 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 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 2024-11-19 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: PA

Complaint narrative:
My account with XXXX 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 XXXX, XXXX, XXXX, AND XXXX 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 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 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 2024-11-19 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: MD

Complaint narrative:
XXXX XXXXXXXX account XXXX on the credit reporting agencies has violated my rights! 

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB|| I am now requesting proof of the previous Re-investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was accurate. if you can not provide me with this information in 15 days delete the account and send me a copy of my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief