vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
I send Experian a request to remove the information that is showing on consumer report 5 times said they investigate with self lender which they never did Experian is causing hardship to my family here are the accounts. 
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 which is in good standing

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 2025-01-09 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: CT

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 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 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Fabco I had previously requested Financial disclosures over the phone to Your companys representative around XXXX of 2022 and Fabco you Violated my CONSUMER rights according to Fair credit reporting act by furnishing information I gave NO WRITTEN VERBAL or oral communication pro se consent for Fabco to Contact a third party which Violates my Consumer rights again An every violation is subject up to XXXX dollar fine

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 2025-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have been on hold with Mohela for 3 hours today and it's not the first. This company is unreliable in servicing my student loans and is seriously impacting my PSLF completion. I need the following to happen ASAP : Please remove the forbearance on my account and put me back into the repayment IBR/IDR plan I had before SAVE. Previously, I had to cancel my autopay because Mohela was collecting roughly {$70.00} from my bank account which should have never came out and MOhela didn't know where it went. I want the autopay back on but the forbearance status is preventing me from doing so, and i want my IBR/IDR payments to resume for PSLF credit. 

I am being forced into a low paying PSLF job because i can't set up payments. I'm very upset as this issue impacts my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 explanation
Consumer complaint received 2025-01-09 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: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccuracies on my credit reports with XXXX and XXXX, caused by the actions of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Cherry  XXXX. These inaccuracies are severely damaging my creditworthiness and reflect violations of federal consumer financial laws, including the Fair Credit Reporting Act ( FCRA ). The following details describe the harm caused : XXXX Report - XXXX XXXX XXXX XXXX XXXX XXXX continues to report a charged-off account with a balance of {$5100.00} and a credit limit of {$5000.00}, despite being legally inactive in Texas. 
Public records from the Texas Secretary of State and Comptroller confirm that XXXX XXXX XXXX is not authorized to conduct business in Texas, invalidating their ability to report on accounts tied to Texas residents. 
XXXX failed to investigate my formal dispute and continues to publish this inaccurate and unlawful information. 
XXXX Report - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported a charged-off account with a balance of {$43000.00}, despite multiple discrepancies, including : A Last Payment Made date of XX/XX/year>, which conflicts with their reporting of {$0.00} payment received. 
Contradictory terms and charge-off dates that do not match actual account details. 
Despite formal disputes, XXXX has failed to reasonably investigate or remove these inaccuracies. 
XXXX Report - XXXX XXXX XXXX XXXX XXXX similarly reports inaccuracies for this account, including conflicting charge-off statuses, inaccurate payment histories, and contradictory balances. 
Despite my disputes, XXXX has failed to take corrective action. 
XXXX Report - Cherry XXXX Cherry XXXX reports adverse information related to an account that is not mine and is potentially tied to trafficking-related circumstances. 
Despite providing supporting documentation, XXXX has not removed this inaccurate information from my report. 
Actions Taken by Me : I submitted disputes to XXXX and XXXX for the inaccuracies related to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Cherry XXXX. 
I provided supporting documentation, including proof of XXXX XXXX XXXX inactive status in Texas, documentation of my payment history with XXXX, and evidence of my status as a victim of trafficking. 
Despite these efforts, the inaccuracies remain unresolved, and the credit reporting agencies and furnishers continue to publish misleading and damaging information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

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 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 2025-01-09 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: UT

Complaint narrative:
On XXXX XX/XX/year> someone fraudulently opened a loan under my original last name- XXXX- but I've legally been going by XXXX for XXXX years. I did not notice this on my credit report until XX/XX/year>. 

I contacted the company in which the loan was opened ( XXXX ), and I began an investigation. The first claim was lost, so after XXXX days of waiting, I had to start the process over and submit another claim with the company. The company completed their investigation on XXXX XX/XX/year> and confirmed that the loan was fraudulent but the items are still showing on my credit reports. 

Also, because the investigation took 7 months, the company then sent the account over to collections, which is with XXXX XXXX XXXX XXXX for {$1300.00}. 

I spoke with TransUnion and they informed me to reach out to CFPB to file a dispute. I was unable to upload any of the documentation on their website, so I would like this account ( Uplift/Upgrade ) removed from my credit as well as the collection company ( XXXX XXXX XXXX XXXX XXXX XXXX Please note that the loan is under the name XXXX XXXX but there was an acquisition recently, so the email showing that the account ending in XXXX for fraud shows the signature line as XXXX. 

Please remove anything associated with XXXX ( account ending in XXXX ) and the derogatory impact from the company sending my information to Collections ( XXXX XXXX XXXX XXXX XXXX XXXX my account. Please let me know if you need anything else from me.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX  Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

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 2025-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
NFCU used inaccurate credit reporting agency data and processes as well as other known discriminatory practices and algorithms to deny my home equity loan requests and home equity line of credit requests. 

However they did use the same inaccurate credit reporting agency data and process as well as discriminatory practices and algorithms to approve personal loans to keep me on the hook during my debt consolidation. Versus allowing me to tap into my home equity which would have completely paid all current debt while maintaining a balanced debt to income ratio and giving me financial freedom. 

NFCU and the credit reporting agency are conspiring together illegally. 

My homes value currently is estimated {$510000.00} with a mortgage balance of {$280000.00}. I applied for a XXXX  or HEQ loan for merely {$70000.00} to {$90000.00} and was denied. Citing information from my credit report and NFCU algorithms for determinations. Although they wanted to lean heavily on my credit scoring, NFCUs own credit score simulation tool shows that if all my credit debts were paid ( {$37000.00} ) my credit score would be well over XXXX. 

NFCU consistently works with the major credit reporting agencies and internal algorithms using discrimination disproportionately towards XXXX people which was discovered not too long ago. I have been a NFCU member for a long time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Request for Deletion of Account from Credit Report Dear MACYS/CBNA, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-09 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: VA

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 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 2025-01-09 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Credit Reporting Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate information appearing in my credit report. The account in question has been paid in full and reflects a {$0.00} balance, yet it remains inaccurately reported, negatively affecting my credit profile. This letter is sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a paid-off account with a {$0.00} balance as anything other than accurate violates this statutory requirement.

Additionally, under 15 U.S.C. 1681i ( a ), upon notice of a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am requesting a thorough investigation into this matter and an immediate correction of my credit report to reflect the accurate status of the account. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. If you determine that the information can not be verified, it must be deleted from my credit file as per the FCRA. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief