vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
The Studen Loans I am paying back were under XXXX. These loans go all the way back to 2007. XXXX mis led us on deferments and forebearance. Loan principal amount has hardly gone down over the past 17 years, currently at {$23000.00} As XXXX was getting banned from servicing student loans due to deceptive practices, they transferred my loans to another servicer, MOHELA. Nothing changed, principal still does not go down I believe this was a deceptibve if not illegal transfer to another student loan servicing company so XXXX could get around the court ordered ban. The Biden Administration was forgiving millions of student loans while I am still getting cheated by a 8.5 % interest student loan balance that never gets reduced. I am ready to file a lawsuit against XXXX and Mohela if I can not get any relief or resolution here. Please help 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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received an email about a replacement credit card from trust. But I dont have any accounts with this bank.

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 2024-11-08 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:
My account with EXPERIAN XXXX was never late! I have had exceptional payment history 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 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 to be 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. 


EXPERIAN 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! 


Update the late payments from my consumer reports

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 2024-11-08 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: MO

Complaint narrative:
These people ( Equifax ) are giving me the run around. I asked them to give me my credit report. They say I don't have a file????? I found out On XXXX XXXX XXXX a lot of information about me. Basically, the information on me was taken from my mother 's report.They used a credit card from my mother file and put it in my file.And what is so ridiculous her credit card collection goes back to XXXX have no credit card balances. My bank did a credit report on me and came back fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This debt was closed by original credit card people I HAVE NOT SIGNED ANYTHING STATING I OWE LVNV funding anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
My payment due dates for the credit card is on XXXX of the each month. 
For XXXX XXXX XXXX was sent on time and the credit card company received it a day after on the XXXX of XXXX, but I was charged {$41.00} late fee. I told the company due to the labor day on XX/XX/XXXX, they received the payment probably XXXX day late. 
The credit card company did not accept that and wouldn't waive the late fee. My entire balance was {$8.00} dollars and they charged me {$41.00} late fee plus interest rate. 

For XX/XX/year> - The payment was scheduled with XXXX online bill pay right on time, apparently XXXX stopped and cancel all my payments on my account due to the fraud activity on my account and closed my checking account immediately. The credit card company did not send me a notice or email to inform me. I had no control over that. {$41.00} dollars late fee was charged on my account for the balance of {$8.00} again. 

For XX/XX/XXXX - XXXX sent the payment even earlier on XX/XX/year> and again I was charged late fees for {$41.00} dollars. 
Elan Financial Services is my credit card company.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was just looking over my credit report and noticed there are a few addresses on there where ive not lived for years. My current address is XXXX XXXX XXXX XXXX and has been for the last 14 years. these are the addresses ive also gotten inflated amounts from these companies that i know i do not owe therefore they a hugely inaccurate in there credit reporting.

Under 15.U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( i ) promptly delete that information from the file of the consumer, or modify that item of information as appropriate based on the result of the re-investigation ; and ( ii ) promptly notify The furnisher of that information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also all of these wrong addresses 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

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 2024-11-08 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: MI

Complaint narrative:
I was just looking over my credit report and noticed there are a few addresses on there where ive not lived for years. My current address is XXXX XXXX XXXX XXXX and has been for the last 14 years. these are the addresses ive also gotten inflated amounts from these companies that i know i do not owe therefore they a hugely inaccurate in there credit reporting.

Under 15.U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( i ) promptly delete that information from the file of the consumer, or modify that item of information as appropriate based on the result of the re-investigation ; and ( ii ) promptly notify The furnisher of that information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also all of these wrong addresses 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2024-11-08 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally complain about XXXX, Equifax, and XXXXXXXX XXXX repeated failure to process multiple mail-in disputes I have submitted since XX/XX/year>XXXX Despite providing all necessary identification and documentation, XXXX has consistently cited verification issues without specifying any additional documents required to complete the verification process. 

Background : Dispute Submissions : Beginning in XX/XX/year>, I have mailed several dispute letters to XXXX, Equifax, and XXXX in 40-day increments, each accompanied by copies of my government-issued identification, Social Security card, and proof of address.

Credit Bureau Response : In each instance, the credit bureaus responded by stating that they could not process my disputes due to verification issues. However, they have not requested any specific additional documents or provided guidance on how to resolve these purported verification problems. 

Applicable Fair Credit Reporting Act ( FCRA ) Violations : These automated responses appear to violate several provisions of the FCRA, including but not limited to the following : Failure to Conduct a Reasonable Reinvestigation ( 611 ( a ) ( 1 ) ( A ) ) : The FCRA mandates that upon receiving a dispute from a consumer, a credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. XXXX, Equifax, and XXXX 's refusal to process my disputes without adequate explanation or guidance fails to meet this obligation. 
XXXX XXXX XXXX XXXX to Provide Notice of Dispute to Furnishers ( 611 ( a ) ( 2 ) ) : The FCRA requires that a credit reporting agency notify the furnisher of the disputed information within five business days of receiving the dispute. By not processing my disputes, XXXX, Equifax, and XXXX have neglected this duty. 
XXXX XXXX XXXX XXXX to Review and Consider All Relevant Information ( 611 ( a ) ( 4 ) ) : The FCRA obligates credit reporting agencies to review and consider all relevant information provided by the consumer in the dispute process. Despite the comprehensive documentation provided, XXXX, Equifax, and XXXXXXXX XXXX blanket refusal to process my disputes indicates a failure to comply with this requirement. 
XXXX XXXX XXXX Request for Assistance : I respectfully request that the Consumer Financial Protection Bureau investigate the handling of my disputes and take appropriate action to ensure compliance with the FCRA. Additionally, I seek guidance on how to proceed with my disputes to ensure they are processed in a timely and fair manner. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
Dear Sir/Madam, I am writing to formally complain about XXXX, XXXX, and Experian 's repeated failure to process multiple mail-in disputes I have submitted since XX/XX/year>. Despite providing all necessary identification and documentation, XXXX has consistently cited verification issues without specifying any additional documents required to complete the verification process. 

Background : Dispute Submissions : Beginning in XX/XX/scrub>XXXX XXXX I have mailed several dispute letters to XXXX, XXXX, and Experian in 40-day increments, each accompanied by copies of my government-issued identification, Social Security card, and proof of address.

Credit Bureau Response : In each instance, the credit bureaus responded by stating that they could not process my disputes due to verification issues. However, they have not requested any specific additional documents or provided guidance on how to resolve these purported verification problems. 

Applicable Fair Credit Reporting Act ( FCRA ) Violations : These automated responses appear to violate several provisions of the FCRA, including but not limited to the following : Failure to Conduct a Reasonable Reinvestigation ( 611 ( a ) ( 1 ) ( A ) ) : The FCRA mandates that upon receiving a dispute from a consumer, a credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. XXXX, XXXX, and Experian 's refusal to process my disputes without adequate explanation or guidance fails to meet this obligation. 
XXXX XXXX XXXX XXXX to Provide Notice of Dispute to Furnishers ( 611 ( a ) ( 2 ) ) : The FCRA requires that a credit reporting agency notify the furnisher of the disputed information within five business days of receiving the dispute. By not processing my disputes, XXXX, XXXX, and Experian have neglected this duty. 
XXXX XXXX XXXX XXXX to Review and Consider All Relevant Information ( 611 ( a ) ( 4 ) ) : The FCRA obligates credit reporting agencies to review and consider all relevant information provided by the consumer in the dispute process. Despite the comprehensive documentation provided, XXXX, XXXX, and Experian 's blanket refusal to process my disputes indicates a failure to comply with this requirement. 
XXXX XXXX XXXX Request for Assistance : I respectfully request that the Consumer Financial Protection Bureau investigate the handling of my disputes and take appropriate action to ensure compliance with the FCRA. Additionally, I seek guidance on how to proceed with my disputes to ensure they are processed in a timely and fair manner. 

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a Public Record ( XXXX  being reported on my Credit ) I first wrote to the credit bureaus to ask who reported the record. I later got a letter saying that is was verified by the Bankruptcy Court, which I wrote asking about reporting my information to the credit Bureaus. They replied by with a XXXX page letter saying that the court does not report personal information to anyone. I then wrote back to the credit bureaus letting them know the courts response and I got a reply saying it was verified? Which was not true since I got the letter from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a Public Record ( XXXX  being reported on my Credit ) I first wrote to the credit bureaus to ask who reported the record. I later got a letter saying that is was verified by the XXXX  XXXX, which I wrote asking about reporting my information to the credit Bureaus. They replied by with a XXXX page letter saying that the court does not report personal information to anyone. I then wrote back to the credit bureaus letting them know the courts response and I got a reply saying it was verified? Which was not true since I got the letter from the courts.

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 2024-11-08 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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