vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
Got an educational loan during my time at XXXXXXXX XXXX I was an XXXX XXXX  and therefore could only get the private loans. XXXX during Covid and the requirement was them payments commence after graduation but there was Covid and I did not have a job yet at that time. There was also a national pause on Student Loan repayment which was supposed to cover me for the period. Immediately after I got a job I started paying off my loan but XXXX and ECSI reported to the credit agency that I had missed payments during this time when it was not the case. I even tried to pay off the missed payments but they still kept saying that it cant be removed from account. All credit bureaus keep reporting this period of missed payments and it keeps getting worse and impacting my credit despite my attempts to have this resolved. Any time I reach out to either XXXXXXXX XXXX or the lender one tells me to reach out to the other so I cant even get in touch with someone to ensure this is resolved. The longer it drags, the worse it is on my report despite m paying faithfully every month. This is the only recourse I now have to get this resolved because none of them want to help me. XXXX even disabled my student email which I had used to communicate to both of them yet as an alumni I should still be able to access it. This is in turn getting very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
My data was compromised in a data breach, and an account was opened in my name that I have no knowledge of. I have included my FTC reports. The creditors have closed the accounts, but it appears on my credit file as a closed account, which is still affecting my credit scores.

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 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: FL

Complaint narrative:
They claim the account was closed is a different one that they reporting. The account was close with an amount of XXXX from credit service international and now reporting it as a different debt claiming they took care of it. I show proof the XXXX was closed a account that needed to be removed but the reporting it as a different debt with the same amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX for reporting inaccurate information to the credit bureaus, which has caused significant harm to my credit score. My XXXX account has a due date on the first of each month. However, XXXX XXXX XXXX reported my account as late to the credit bureaus before the due date, in direct violation of federal consumer protection laws. 

This action constitutes a breach of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information are required to report accurate data. Reporting my account as late prior to the due date is a clear violation of this provision.

2. 15 U.S. Code 1681s-2 ( a ) ( 2 ) : If a furnisher discovers that information previously reported is inaccurate, they must promptly notify the credit reporting agencies and correct or delete the erroneous information.

3. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Consumers have the right to dispute inaccurate information. Upon receiving a dispute, both the furnisher and credit reporting agencies are obligated to investigate and resolve the issue within 30 days. 

I previously contacted XXXX XXXX XXXX to address this issue, but they failed to provide a resolution or remove the incorrect late payment entry from my credit reports. This failure has not only hurt my credit score but has also made it more challenging for me to secure financial opportunities.

To resolve this issue, I am requesting that the CFPB investigate the following : XXXX. XXXX XXXX XXXX failure to accurately report my account information. 
2. Their lack of timely action in addressing my dispute, as required under FCRA regulations.

I respectfully request that the CFPB compel XXXX XXXX XXXX to : Immediately correct or remove the inaccurate late payment entry from all credit bureaus ( Experian, XXXX, and XXXX ). 
Provide a clear explanation of why this inaccurate information was reported.

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 2025-01-13 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a problem with them letting companies take money out my account that I didnt authorize. I complained about the situation and they still continued to take money out. I feel thats very unfair even after I said dont let it happen.

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 2025-01-13 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
I have been trying to fix my credit, I sent out multiple letters to XXXX but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues XXXX for Sham Investigations of Credit Report Errors, XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online. 
I would like to delete inquires, collections, late payments from my credit report ; from XXXX, XXXX and Equifax. This hard ship is stopping myself and family to buy a house, car, loan also.

15 USC 1681e ( b ) : This section outlines the " compliance procedures '' that CRAs must follow to ensure the accuracy of consumer reports, including reasonable procedures to verify information and investigate disputes raised by consumers.

15 USC 1681s-2 : This section specifies the responsibilities of " furnishers of information '' ( entities that provide data to CRAs ) when a consumer disputes the accuracy of information in their credit report. It requires them to investigate the dispute and report the results to the CRA.

15 USC 1681i ( 5 ) : This section details the process for handling disputed information within a consumer 's credit report, including the requirement for CRAs to reinvestigate disputed items and provide the consumer with the results of their investigation.

15 USC 1681c ( c ) : This section outlines the specific requirements for information that must be included or excluded from a consumer report, including limitations on how long certain adverse information can be reported DELETE ALL NEGATIVE ITEMS OFF OF MY CREDIT REPORT ; COLLECTIONS, INQUIRES, LATE PAYMEMTS OR CHARGE OFFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online. 
I would like to delete inquires, collections, late payments from my credit report ; from Experian, XXXX and XXXX. This hard ship is stopping myself and family to buy a house, car, loan also.

15 USC 1681e ( b ) : This section outlines the " compliance procedures '' that CRAs must follow to ensure the accuracy of consumer reports, including reasonable procedures to verify information and investigate disputes raised by consumers.

15 USC 1681s-2 : This section specifies the responsibilities of " furnishers of information '' ( entities that provide data to CRAs ) when a consumer disputes the accuracy of information in their credit report. It requires them to investigate the dispute and report the results to the CRA.

15 USC 1681i ( 5 ) : This section details the process for handling disputed information within a consumer 's credit report, including the requirement for CRAs to reinvestigate disputed items and provide the consumer with the results of their investigation.

15 USC 1681c ( c ) : This section outlines the specific requirements for information that must be included or excluded from a consumer report, including limitations on how long certain adverse information can be reported DELETE ALL NEGATIVE ITEMS OFF OF MY CREDIT REPORT ; COLLECTIONS, INQUIRES, LATE PAYMEMTS OR CHARGE OFFS.

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 2025-01-13 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: IL

Complaint narrative:
I am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ).

Many of these inaccuracies stem from DEBT BONDAGE, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXXXXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX XXXX. 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report, which were conducted without my authorization. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that hard inquiries require my explicit consent. I did not authorize the inquiries listed below, and their presence negatively impacts my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report, which were conducted without my authorization. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that hard inquiries require my explicit consent. I did not authorize the inquiries listed below, and their presence negatively impacts my credit profile.

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 2025-01-13 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: CORELOGIC INC
State: TX

Complaint narrative:
" I am filing this follow-up complaint regarding ongoing FCRA violations by XXXX following their inadequate response to complaint # XXXX. 

Specific Ongoing Violations : Failure to Conduct Proper Investigation ( FCRA 1681i ) No evidence of contacting original furnishers Failed to provide investigation procedures No documentation of correction distributions Veteran Data Protection Violations Ignored enhanced veteran data protections No implementation of required veteran handling procedures Failed to acknowledge service member status protections Audit Trail Violations ( FCRA 1681g ) No list of companies receiving my information Failed to document past report recipients No disclosure of information sharing patterns Consumer Disclosure Violations Incomplete disclosure of file contents No proof of permanent corrections Failed to provide required notices

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 2025-01-13 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:
Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

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 2025-01-13 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I called XXXX and sent letters to have information removed because this is not my acct I also sent a dispute through app requesting to exercise section 605 b and they were u able to help me I. This matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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