vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer 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
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal credit union closed my account falsely with funds in the account and fraud occurred

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer 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 2025-01-06 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information to my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I am writing to formally request an update to my credit report concerning a payment reported by XXXX XXXX XXXX XXXX for XXXX XXXX This payment has been inaccurately listed as " late, '' when it should have been reported as " current. '' I believe this incorrect entry violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, which requires that credit reporting agencies ensure the information they report is accurate, complete, and up-to-date. 

Upon reviewing my credit report, I found that XXXX XXXX XXXX XXXX payment for XXXX XXXX was marked as " late, '' despite being paid on time and in full. Under 15 U.S.C. 1681e, it is the responsibility of credit reporting agencies to ensure that all reported information is accurate. The incorrect reporting of this payment as late is causing undue harm to my credit profile and negatively impacting my ability to obtain financing, including an auto loan and mortgage. 

I respectfully request that you investigate this matter and update the payment status from " late '' to " current '' as it should have been reported. 

Please provide me with written confirmation of the results of your investigation, along with an updated copy of my credit report reflecting the correction. 

If you need any additional information or documentation to process this request, I can be reached at the contact details above. 

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

Sincerely, XXXX XXXX Date of Birth : XXXX SSN : 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX XXXX- XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-01-06 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: CA

Complaint narrative:
As referenced in Complaint ID XXXX, Mohela has failed to process both forbearance and an IDR plan in a timely manner, leading to having payed close to {$1000.00} despite my financial situation changing drastically. To compound on this, the customer service is unreachable. Their automated phone customer service agent can not verify my social security number despite having been serviced by them for years, and when it finally verified my account number after several CORRECT attempts, I've been placed on hold for exorbitant amounts of hours -- to the point where it would dominate entire days simply to talk to a human being that works for the company. 

After all of this in my previous complaint, I was forced to pay yet another {$430.00} to my loan payments while in limbo, and on top of that, they are charging me an EXTRA {$430.00} in late fees despite paying the loan on time. My payment was due on XX/XX/year>, and I made my payment XXXX XXXX on the same date, yet the website attempted to automatically double my payment in these late fees. 

I understand bank and card processing times but I am unsure how I can be charged late fees before the day even finished. If I had not done my research, I would not have been able to pay my loan payment+fees and would've potentially be put into a situation where I'd have to consider bankruptcy. I tried to manage this situation by applying for an IDR and forbearance, but that's an entire separate complaint. 

IN SUMMARY : I am being charged late-fees before my payment date has even finished, despite having already complained about my payment price and applied for both forbearance and an IDR plan -- but have not had these processed in a timely manner and can not reach their customer service despite devoting days to attempting it. Seriously considering legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MS

Complaint narrative:
To whom it may concern : I received an email notification today regarding the following companies running mu credit, I have not applied for credit with anyone : Experian 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  IDENTITY THEFT is defined as the illegal use of someones personal information ( such as a social security number ) especially to obtain money or credit. 
Please take note that this is a second request for items that do not belong on my consumer report. Note, according to 15 U.S.C. 1681 ( a ) ( 6 ) ( B ) ( III ) by federal law via request of the consumer, a description of the procedure used to determine the completeness of the information, including the business name and address of a furnisher contacted in connection with such information and the telephone number of the furnisher. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
You have not provided me with a copy of ANY hard copy documentation showing that you have verified these accounts. Under Section 61 ( 5 ) ( A ) ( I ) of the FCRA -- - you are required to Delete all information that can not be verified.

The law is very clear as to civil liability and the remedy available to me for neglect per section ( 617 ) if you fail to comply. I am a litigation consumer and fully intend to pursue litigation matters to enforce my rights under the FCRA. 

Respectfully submitted, 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXX : {$490.00}

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 2025-01-06 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: NV

Complaint narrative:
I GOT A LETTER SAYING THAT MMY PERSONAL INFO WAS IN A DATA BREACH AND SOLD ON THE BLACK WEB AN I LOOK AT MY CREDIT REPORT AN SEEN INACCURATE ADDRESS, COLLECTIONS, INQUIRIES

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 2025-01-06 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: GA

Complaint narrative:
XXXX please remove XXXX XXXX  for XXXX dollars, this account is not mine. I do not recognize this account at all, this account is fraudulent, I want this account removed immediately someone has used my name and information to open this account in my name and please also please remove XXXX inquiries in my credit report, I did not check my credit report or run it please remove these asap thank you And credence resource manage for XXXX this account is fraudulent it is not mine please remove 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 2025-01-06 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:
XXXX please remove XXXX XXXX  for XXXX dollars, this account is not mine. I do not recognize this account at all, this account is fraudulent, I want this account removed immediately someone has used my name and information to open this account in my name and please also please remove XXXX inquiries in my credit report, I did not check my credit report or run it please remove these asap thank you And XXXX XXXX XXXX for XXXX this account is fraudulent it is not mine please remove 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 2025-01-06 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: NV

Complaint narrative:
Complaint Against XXXX for Reinserting Negative Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding their improper reinsertion of negative information on my credit report with TransUnionXXXX 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 XXXXXXXX XXXX I recently obtained a copy of my credit report from TransUnion and discovered that XXXX has reinserted negative information that I believed had been previously removed or marked as resolved. 1. Date of Negative Information : XX/XX/24 the date when the negative information was first reported ] 2. Nature of the Debt : Debt XXXX XXXX  on TransUnion partial account number XXXX XXXX. **Previous Resolution : information was disputed and deleted for not complete account number verification. Despite my efforts to address this matter, including [ mention any attempts to dispute the information, such as contacting XXXX or TransUnion ], the negative information has reappeared on my credit report. This has caused significant distress and has adversely affected my credit score and ability to secure credit. Under the Fair Credit Reporting Act ( FCRA ), I understand that creditors are required to ensure that any information they report is accurate and that they can not reinsert previously deleted or disputed information without proper verification. I believe XXXX has violated these regulations by failing to validate the debt and by re-reporting information that should not have been reinstituted on my credit report. Requested Resolution : I kindly request that the CFPB investigate this matter and take appropriate action against XXXX for their failure to comply with the FCRA. Additionally, I ask that my credit report be corrected to reflect the accurate status of this account. Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I have {$190000.00} on my Robinhood account. On XX/XX/XXXX Robinhood decided to close my account and notified me that I'll be refunded within 120 days. XX/XX/XXXX was day XXXX, but I still didn't receive any refund and I still see that my money is sitting in my Robinhood 's account. Today, XX/XX/XXXX is day XXXX. I wrote to Robinhood 's customer support that 120 days have been passed, but customer support ignores this fact and send me the same message the sent me before about " 120 days ''. I need my money back. Robinhood lied and continue to lie about 120 days which already have passed. I received no refund and Robinhood 's customer support is absolutely useless. Robinhood lied to you, CFPB, within the complaint No. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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