vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: NJ

Complaint narrative:
I am a victim of Identity theft, I have never applied for any of those fraudulent accounts and they do not belong to me. 

As a victim of identity theft, I have enclosed my FTC Identity Theft Report ( Report XXXX ) as required by law. Under Section 605B, you are obligated to block and remove these accounts within four ( 4 ) business days upon receipt of my report and accompanying documentation, which includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with account number XXXX PLEASE BLOCK AND REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-14 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: GA

Complaint narrative:
XXXX XXXX is reporting my line of credit account late and over the limit when it is current and has available credit. The payment was reported late on XX/XX/year>. This has been an ongoing issue where as they report the account late every 6 months. This is due to their reporting to the credit agencies being 2 months behind. I have a screenshot.

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 2024-10-14 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: AZ

Complaint narrative:
On XX/XX/XXXX I submitted two things to the federal student aid ( FSA ) website : 1 ) a PSLF employment certification form to make my payments of XXXX, XXXX, and XXXX qualifying for PSLF 2 ) a buyback request via a reconsideration request The buy back request was to request to buy back the months of XXXX and XX/XX/XXXX that I was involuntarily put in administrative forbearance through my loan services at the time, XXXX. 

Buying back these two months from XXXX, plus certifying my employment and payments up through XX/XX/XXXX should have brought me to 120 qualifying payments for PSLF. 

Two problems happened : 1 ) with the employment certification, FSA showed my XX/XX/XXXX and XX/XX/XXXX were completely missing- they are not listed under the PSLF section as qualifying or nonqualifying. However, I made these payments to my loan servicer XXXX. To complicate things, XXXX and XX/XX/XXXX was during a transition that XXXX was going through to switch web platforms. Therefore, once they created their new platform, every prior payment before XX/XX/XXXX does not show up. So my only way to prove to FSA I made these payments was to submit my bank statements showing the withdrawals of {$860.00} for those months, which I did. 
On XX/XX/XXXX I submitted reconsideration request/complaint on FSA to include my bank statements showing I paid for XXXX and XX/XX/XXXX. 

2 ) I called FSA on XX/XX/XXXX to ask for an update on my buyback request that was submitted on XX/XX/XXXX and was informed that the request was closed because I did not have the correct language. This is incorrect- I am certain I used the correct language because I copied and pasted and triple checked it was the exact language I was supposed to use for buyback. The exact language is I have at least 120 months of approved qualifying employment, and I am seeking PSLF or TEPSLF discharge through PSLF buyback. Please assess my eligibility for PSLF buyback.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
Robinhood blocked access to withdrawal money for going on 2 years. Amount is XXXX located in a spending account which is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX  account ( XXXX XXXX account number XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: RI

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-14 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:
I would like to address the problem of an incorrect account on my credit report that is still listed as accurate in spite of the supporting documentation I have included in the letters that are attached. Despite the fact that the material is obviously inaccurate, no changes have been made. 

The Fair Credit Reporting Act ( FCRA ) is violated by this inaction, especially 15 U.S.C. Section 1681i, which requires credit reporting organizations to adequately look into disputes and fix mistakes. I request that you look into this again and correct or delete the false information from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-14 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: FL

Complaint narrative:
My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 in ( XXXX days ) 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 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 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint due to the failure of [ XXXX, XXXX, or TransUnion ] to accurately investigate and correct erroneous information on my credit report, despite multiple dispute attempts, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : On XX/XX/XXXX, I noticed a significant inaccuracy on my credit report. Specifically, an account listed under the creditor is inaccurately reported as delinquent, unpaid, or otherwise incorrect. This account is either completely unrecognized or inaccurately portrayed in terms of payment history, balance, or status. 

Actions Taken : I formally disputed this inaccurate information with XXXX, XXXX, and TransUnion on, providing supporting documentation to prove that this account either does not belong to me or contains errors that are materially affecting my credit standing. Despite this, XXXX, XXXX, or TransUnion failed to properly investigate, verify, or remove the inaccurate information within the legally required XXXX period stipulated by the FCRA. Instead, they either provided an inadequate or automated response or reinserted the erroneous information without adequate verification. 

FCRA Violations : Under the FCRA ( Section XXXX ), credit reporting agencies are required to conduct a thorough investigation and remove or correct any information that can not be verified within 30 days. XXXX, XXXX, and TransUnion has failed to comply with this federal requirement. Furthermore, they failed to provide documentation verifying the accuracy of the disputed information or a reasonable explanation for its continued presence on my report. 

Impact on My XXXX XXXX : The continued reporting of this inaccurate information has severely and unjustly impacted my XXXX XXXX, resulting in significant financial harm. This has negatively affected my ability to secure favorable loan terms, housing, and other financial opportunities. 

Desired Resolution : I am requesting the immediate deletion of the inaccurate account information from my credit report and a full investigation to ensure all reported data is accurate and compliant with federal law. Additionally, I am seeking written confirmation that the erroneous information has been permanently removed and will not be reinserted without proper verification.

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 2024-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint due to the failure of [ XXXX, Equifax, or XXXX ] to accurately investigate and correct erroneous information on my credit report, despite multiple dispute attempts, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : On XX/XX/XXXX, I noticed a significant inaccuracy on my credit report. Specifically, an account listed under the creditor is inaccurately reported as delinquent, unpaid, or otherwise incorrect. This account is either completely unrecognized or inaccurately portrayed in terms of payment history, balance, or status. 

Actions Taken : I formally disputed this inaccurate information with XXXX, Equifax, and XXXX on, providing supporting documentation to prove that this account either does not belong to me or contains errors that are materially affecting my credit standing. Despite this, XXXX, Equifax, or XXXX failed to properly investigate, verify, or remove the inaccurate information within the legally required XXXX period stipulated by the FCRA. Instead, they either provided an inadequate or automated response or reinserted the erroneous information without adequate verification. 

FCRA Violations : Under the FCRA ( Section XXXX ), credit reporting agencies are required to conduct a thorough investigation and remove or correct any information that can not be verified within 30 days. XXXX, Equifax, and XXXX has failed to comply with this federal requirement. Furthermore, they failed to provide documentation verifying the accuracy of the disputed information or a reasonable explanation for its continued presence on my report. 

Impact on My XXXX XXXX : The continued reporting of this inaccurate information has severely and unjustly impacted my credit score, resulting in significant financial harm. This has negatively affected my ability to secure favorable loan terms, housing, and other financial opportunities. 

Desired Resolution : I am requesting the immediate deletion of the inaccurate account information from my credit report and a full investigation to ensure all reported data is accurate and compliant with federal law. Additionally, I am seeking written confirmation that the erroneous information has been permanently removed and will not be reinserted without proper verification.

Company response to consumer: Closed with non-monetary relief