vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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 am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 2024-09-10 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX accounts were opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. ;

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 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I got sent XXXXXXXX XXXX for my rent they froze my account I sent my id in and they deactivated my account with my money in and now saying I have to wait 6 months to possibly get it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: FL

Complaint narrative:
I am currently a XXXX XXXX i am being told the following inquires would last XXXX years on my credit. I am asking that these inquires be removed for XXXX i never applied for anything because i am always busy with sXXXX XXXX XXXX XXXX. There is no way this is fair to me that these lenders access my report without any consent, please investigate and remove these inquires immediately. I am currently in XXXX this is defamation to my character. remove these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: CO

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The incorrect items listed below still appear on my credit report. I would like these items immediately re-investigated and for good cause. XXXX XXXX XXXX Account number : XXXX. These inaccuracies are highly injurious to my credit rating. Inaccuracies of the date open of the account. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. XXXX. The date you contacted the individual funishers of information. XXXX. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.

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 2024-09-09 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: PA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My XXXX report says I have an account in collections, mortgage, and a collection of several other things which is incorrect. None of my accounts have ever been past due. I used a debt consolidation company to help manage some credit card debt but no account was ever delinquent or put into any type of negative credit status. Payments have continued to be made without problem. Unsure why they placed that status on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I paid off my AT & T Universal credit card on XX/XX/year> and was subsequently charged unaccrued interest. I called AT & T Universal card to request the interest be waived, but they said their system would not allow it. I requested a copy of the Cardholder Agreement, but I will not receive it for many days. I was able to find the definition for Grace Period on their website and it's clear that the Grace Periods are the time between the end of a billing cycle and the payment due date so the interest charge is valid given my end of billing cycle date was XX/XX/year> and the payment due date was XX/XX/year>. Note that I have minimum payment auto pay set-up so a payment was made on XX/XX/year> and the XXXX XXXX on XX/XX/year> reflected the XX/XX/year> payment. My issue is that when I used their app to pay-off the card, the XXXX XXXX amount did not include the unaccrued interest. I have paid off credit cards many times in my life and have seen this unaccrued interest show up on the next billing statement, but a simple call to the credit card company and they waived the interest every time until now. Its very deceptive that the definition of the Grace Period excludes payments that are made between the payment due date and the beginning of the new billing cycle which in my case is only XXXX days ; the XXXX, XXXX and XXXX. Its very deceptive that when I use their app to make the payment that the Current Balance amount does not have a disclaimer that it will not reflect unaccrued interest if outside the Grace Period.

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 2024-09-09 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: CA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car account loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan insurance account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a fraudulent child support identification theft {$23000.00} and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$790.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and Fraud.

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 2024-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car account loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan insurance account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a fraudulent child support identification theft {$23000.00} and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$790.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: MI

Complaint narrative:
XX/XX/XXXX I applied for loan consolidation with Mohela being my loan servicer. The message I received was that it would take approximately 4 weeks, possibly longer if more information was needed from me. Fast forward 8 weeks and I still had heard nothing regarding my loan consolidation, it was still pending and nothing was moving. Another two weeks went by and I said FORGET IT, and I paid my loans, one by one. My balance shows XXXX as of approximately XX/XX/XXXX. Next thing I know, a little less than a week after XX/XX/XXXX, I receive a letter in the mail from US Dept of Ed informing me that I am approved for loan consolidation. I assumed its going to take a minute for US Dept of Ed to catch up with Mohela and realize theres nothing left to consolidate. Everything is paid. XX/XX/XXXXXXXX  : I receive a bill in the mail for a new Mohela account and it states that my current balance is {$2700.00}. Now, clearly I went to college. And if I paid off a balance, with a payoff letter, and my current account states that I owe nothing, well then how do I owe {$2700.00} on some other account that has never been my account to begin with? 
XX/XX/XXXX at XXXX : I called Mohela at XXXX and spent 2h and 28 minutes on the phone with Mohela XXXX speaking to XXXX to start off and she said they could see I had made the payments in my original account but the money wasn't properly applied. I should make a payment on the new account while they try to make that happen but it should be all set by the end of XXXX. I tell them Ive given enough money and I would by no means be making any payment for their administrative error. At that time, I requested to speak with a manager or supervisor. I was placed on hold for an additional 30 minutes until XXXX answered. XXXX acknowledged the payments weren't applied properly and she understood that I was not making further payments. She would accommodate and rectify the situation. 
XX/XX/XXXXXXXX  : Why am I still receiving bills two months later?!?! I have submitted the same issue to the US Dept of Ed along with financial records indicating the payments that were made, also attached here. The US Dept of Ed closed this case without even reaching out to me to discuss. 
I am HIGHLY concerned that they have received my money already and are more than willing to let a loan servicer collect more money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have been violated multiple times through a debt collector with the debt I never had 15 U.S Code 1692d states that a consumer shall never be harassed or no words of abuse but yet this has happened on multiple occasions I have been harassed about debt that does not pertain to me Ive been contacted and sent letters even though me as a consumer is not supposed to have no contact with a debt collector 15 U.S Code 1692c. This debt collector company have had unfair practices and unlawful violations that continued to keep violations 15 U.S Code 1692f.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

Company response to consumer: Closed with non-monetary relief