vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not do any business with these companies.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not do any business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-29 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: NY

Complaint narrative:
I received a text message that said that my fico score has been modified! do access the altercations ASAP as they may have significant impact if not fixed within 27 hours.The email I received is : XXXX XXXX XXXXXXXX, I also have a phone number which is XXXX. I called the number and a recording came on and said that the voicemail has not been set up yet, goodbye. I looked up the email and it came to a statement saying that they were alerting me about a scam from Equifax, XXXX and XXXX. never clicked on the email because I have gotten a lot of texts from whoever is sending them, they are not only the same thing, its usually a different type of text.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report inaccurate information on my consumer report and it causing me harm. There are several names and addresses listed on my consumer report that are incorrect. I have previously disputed this same information with the consumer agencies which they stated they verified as accurate how is this when I know my own name and where I reside. I have attached proof of my identity and residency. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX update my consumer report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to report inaccurate information on my consumer report and it causing me harm. There are several names and addresses listed on my consumer report that are incorrect. I have previously disputed this same information with the consumer agencies which they stated they verified as accurate how is this when I know my own name and where I reside. I have attached proof of my identity and residency. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX update my consumer report immediately. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-05-29 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: FL

Complaint narrative:
on XX/XX/XXXX i receive a notification from credit reporting agency alerted me of a potential loan inquires which I'm not aware of XXXX XXXX ( XXXX ) ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
on XX/XX/XXXX i receive a notification from credit reporting agency alerted me of a potential loan inquires which I'm not aware of XXXX XXXX ( XXXX ) ON XX/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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
XXXX Mohela increased my monthly payment from {$270.00} to {$2100.00} without any warning. The online account shows my recertification deadline had been extended until XX/XX/XXXX for {$270.00}, however, I received a letter stating my payment had been increased to {$2100.00}. When I called Mohela to discuss this, the agent confirmed the new payment amount, but said she could see where I was previously paying the {$270.00}. At first, she said the repayment plan had been applied prior to my loans transferring to them and the repayment plan had not been transferred with and no new applications were received. This was old news and had been resolved in XX/XX/XXXX through a CFPB complaint. When the agent was directed to the communication from Mohela with the new approved amount because of the CFPB last year, the agent stated they could not find that letter in their system. Requests to speak to a supervisor were not honored at first. The agent placed us on hold and then said that Mohela is in the process of updating borrower accounts due to the Department of Education pushing back the IDR recertification deadline again. She said Mohela will apply for a forbearance, no payment is required, and guaranteed the forbearance will count for PSLF. None of this information could be validated on the Department of Education 's website and the agent stated she could not provide anything in writing. The agent also gave conflicting information as she stated that the forbearance will not be automatically applied, and I would need to request it ( even though she said it would be applied in the beginning ). I had also just received several notices showing a 1-day forbearance being applied each month from XX/XX/XXXX- XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-05-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: AL

Complaint narrative:
Credit companies, TransUnion, XXXX and XXXX are using my personal information and making it public without my written consent.

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 2024-05-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Request for Validation of Debt - CITIBANKNA XXXX Dear CITIBANK, I am writing in response to an alleged debt associated with CITIBANKNA XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 
I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached. 
2. The PAYMENT HISTORY with the original creditor. 
3. I am also requesting a copy of a PROOF OF DEBT ASSIGNMENT. 
If you are unable to provide proof of my requests, then the erroneous information MUST be removed within 30 days. Failure to comply could result in willful non-compliance and negligible non-compliance by your company. 
ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed. 
2. Detailed accounting of the debt, including any fees, interest, or charges added. 
3. Proof that you are licensed to collect debts in [ Your State ]. 
4. Documentation proving that the statute of limitations on this debt has not expired. 
5. Any agreements or contracts signed by me obligating me to pay this alleged debt. 
Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS. 
Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only. 
Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding inaccurate reporting on my credit reports by Equifax and XXXX. According to my credit reports from these agencies, there is a late payment recorded from XXXX XXXX XXXX XXXX in XX/XX/year>. Equifax is indicating a 60-day late payment, while XXXX is reporting a 30-day late payment. However, I would like to assert that these reports are entirely inaccurate, as I have never been late in making payments to XXXX XXXX XXXX XXXX. 

As a responsible consumer, I closely monitor my credit reports to ensure accuracy and maintain my financial integrity. The erroneous late payment entries not only misrepresent my creditworthiness but also violate my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies must provide fair and accurate information, and it grants consumers the right to dispute and rectify any inaccuracies in their credit reports. 

I have taken the necessary steps to dispute these inaccuracies directly with Equifax and XXXX, as per the FCRA guidelines. However, despite providing evidence supporting my claim of never being late on my payments, the incorrect entries persist on my credit reports. This failure to address and correct the inaccuracies is deeply concerning and undermines the integrity of the credit reporting system. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene to ensure that Equifax and XXXX adhere to their obligations under the FCRA. It is imperative that these credit reporting agencies rectify the inaccurate late payment entries on my credit reports and take measures to prevent similar errors from occurring in the future. 

Enclosed with this letter are copies of relevant documents supporting my claim, including statements from XXXX XXXX XXXX XXXX confirming my timely payments during the period in question. I trust that your office will promptly address this issue and take appropriate action to resolve it. 

Thank you for your attention to this matter. I look forward to your swift response and resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
The XXXX XXXX XXXX account ending in XXXX was closed due to identity fraud. I also requested the hard inquiry dated XX/XX/2023 on my TRans Union report be deleted. Since the entire record of the credit card account HAS been deleted from my report, the HARD inquiry needs to be removed too. XXXX did remove the account but has not removed the inquiry.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance, last payment and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy. Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. Every account listed in the attached credit report is inaccurate. DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/year> with all the inaccuracies highlighted. This complaint serves as my dispute. 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 2024-05-29 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 want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 non-monetary relief