vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to follow up on my previous communications and attempts to have fraudulent items removed from my account. Despite making this attempts to resolve this matter, the fraudulent items remain unaddressed. My initial attempt to correct this issue was made on [ date of first attempt ], and since then, I have consistently provided all necessary documentation and information as requested. Here is a summary of my attempts : Despite these diligent efforts, the fraudulent items remain unresolved. This lack of resolution is causing significant distress and inconvenience, impacting my financial standing and peace of mind. I expect to receive a response within exact timeframe from the date of this letter. Should this matter remain unresolved, I will have no choice but to escalate my complaint to the appropriate regulatory bodies and consider legal action to protect my rights. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX : {$1700.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
The following accounts are reporting on my credit report incorrectly. The listed accounts have been paid in full and should be reported as such to ensure that my report is 100 % accurate and in compliance with the Fair Credit Reporting Act. Accounts in Question : 1. XXXX XXXX Reported Balance : {$440.00} Account number : XXXX 2. XXXX XXXX Reported Balance : {$1300.00} Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
I sent a message on the Mohela portal on XXXX and XXXX of 2024 requesting 3 months of payment history from XXXX through XXXX 2024. I need this information as I get a reimbursement from my XXXX XXXX I work with. Since I do not make much money, and the company only reimburses quarterly, I need these statements ASAP. Despite these messages, Mohela only responded that it would take 60-90 days for my payment history to transition from the old system to the new platform. This is unacceptable. My account has already transferred and I was able to make a new payment on the account. However, Mohela refuses to give me this simple information. This is not fair. I need this money. I need help ASAP. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
I hope this message finds you well. I am writing to address a significant issue regarding inaccuracies in my credit report. Upon recent review, I discovered several instances of incorrectly reported late payments on my accounts, which I would like to dispute. I kindly request your immediate assistance in correcting or removing these inaccuracies from my credit report.Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error and require your immediate intervention for rectification. The company associated with these accounts have confirmed the errors during my telephone conversations with them and assured me of their commitment to correcting my accounts. 

Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. If you require any supporting documents or additional information to expedite this process, please let me know. 

XXXX XXXX  XXXX XXXX and 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to follow up on my previous attempts to remove fraudulent items from my account. Despite four prior requests, these items have not yet been addressed. I urge you to prioritize the resolution of this issue and ensure the fraudulent items are removed from my account immediately. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX 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  OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
sent in letters mutiple times never got notified or my problem resolved this very painful & breaking my character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: MA

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 in months that are reported late to be removed. 

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. 


XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
XXXX XXXX is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact XXXX to try to get it resolved and they have been no help other than apologizing on their behalf for their error.

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 2024-07-11 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: TX

Complaint narrative:
XXXX XXXX is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact XXXX to try to get it resolved and they have been no help other than apologizing on their behalf for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
XXXX XXXX is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact XXXX to try to get it resolved and they have been no help other than apologizing on their behalf for their error.

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 2024-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I called because I received a late fee. The representative told me that he could not receive the late fee because they removed a late fee on XX/XX/XXXX. 

I called back to speak with a supervisor. I reached someone and I requested the late fee removal and she said she could not remove it. I asked to have my due date of the XXXX of the month changed as it is a hardship to pay on this date. She informed me I could not change my due date. She lied. 

On XX/XX/XXXX I called regarding another late fee I was charged on top of the late fee I paid late. I asked if I could have it removed. I was told no. I asked to have my due date changed and the rep changed my due date. My purchase of {$35.00} has now become a {$95.00} expense. 

I should not have to pay the late fee I received for paying the late fee late. This was not a charge. I am requesting to have the late fee due XX/XX/XXXX removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$260.00}

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 explanation
Consumer complaint received 2024-07-11 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Bought a Dell laptop on XX/XX/year> cost {$3600.00}, opted for DELL preferred account financing to pay off full amount within 24 months. paid monthly installments on time and also paid remaining balanced on time. now dell is saying you paid remaining balanced late by a few days so pay {$820.00} as interest ... .... 
I found it un-ethical. typically agencies reach out to you to remind you pay date is approaching no such email or call was given to me. now Dell has forwarded it to a collection agency and now my credit score is going bad. 
Could you please help me to resolve this. 
I have paid full amount of laptop still interest of over {$820.00} being charged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the repeated failures to correct the late-open accounts associated. Despite my previous four attempts to resolve this issue, the problem remains unresolved, causing me significant inconvenience and distress. Each time I have contacted your support team, I have been assured that the matter would be resolved promptly. However, these assurances have not been met, and the issue persists. The continuous delays and lack of resolution are unacceptable. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to address the issue and a plan to prevent such occurrences in the future. I hope to see this matter resolved without further delay. Please help me correct the following accounts : XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$220.00}.

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 explanation
Consumer complaint received 2024-07-11 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: KY

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2024-07-11 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-07-11 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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$260.00}

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