vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/2024 **Subject : ** Formal Dispute of Fraudulent Account Under the Fair Credit Reporting Act ( FCRA ) **To : ** Credit Bureau Dispute Department XXXX XXXX XXXX Experian, XXXX ] [ Address of the Credit Bureau ] Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information, and I request that the following account be removed from my report immediately : - **Creditor : ** XXXX XXXX XXXXAccount Number : ** XXXX - **Balance Owed : ** {$3800.00} - **Status : ** Charged-off/Bad Debt - **Closed Date : ** [ Date as per report ] XXXX XXXX XXXX  Violation of FCRA : This account does not belong to me, and I have never opened any credit account with XXXX. This is either a case of identity theft or an administrative error. Reporting this account as mine is a violation of the FCRA, as it reflects inaccurate and unverified information. I have no financial responsibility for this account. 

XXXX XXXX XXXX Action Requested : I demand that you investigate this matter immediately, remove this fraudulent account from my credit report, and provide written confirmation that the investigation has been completed and the account has been deleted. If this item is not removed, I request that you provide me with the detailed investigation report and verification of ownership for this account. 

Please note that if this account is not corrected or removed, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

Enclosed, you will find a copy of my credit report with the fraudulent account highlighted. I have also attached a copy of my ID and a utility bill to verify my identity and address. 

I expect a prompt response, as required by the FCRA, and look forward to receiving written confirmation of the removal of this account from my credit report. 

Thank you for your immediate attention to this matter. 

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MI

Complaint narrative:
I have been on a deferment with my student loan payments they are reporting as late on my credit report even though Ive been deferred my deferment ends this month and Ive been late 60 times that can not be as Im in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted several request to block information related to XXXX XXXX and Equifax denies to block this information. When I call I speak with someone named XXXX who advises there are no supervisors and she is the last point of contact. She requested a new letter from an agency, I submitted it and they still denied. The agency stated no one reached out to them to verify the letter. I have given them five different items when only one is required and they continue denying my requests to block negative information resulted from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please provide the documentation that DEPT OF EDUCATION provided stating I was late making the payment. All payments were autopay and never 10 days past due to report. 
According to 15USCCODE1681b and 1681c2 to report this account you must have proof of me making a payment late.

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 2024-09-08 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: ID

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am a law student at XXXX with deferred student loans. MOHELA is reporting I am behind though I am not set to begin payments for at least 18 more months. The website provided by the U.S Dept. of Education has been " down for migration '' for months directing obligatory parties to call the toll-free number ( verified through the US Dept . of Education ) which routes all calls into a third party sales " offer '' without any means of directly communicating with customer service without hearing the " pitch '' and being transferred. At this point, there is pressure to make a payment that is not owed including tactics such as threatening with my credit report if not paying the bill which is NOT owed. These are predatory and unfair business practices which I am looking for assistance on. Thank you. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: MT

Complaint narrative:
XXXX XXXX XXXX XXXX  I am submitting this complaint regarding the inaccurate reporting of a charge-off by XXXX XXXX XXXX XXXX The account in question ( Account No. XXXX ), under my name, XXXX XXXX XXXX has been paid in full, as verified by a letter from XXXX XXXX XXXX dated XX/XX/year>. Despite this, the account has been wrongfully marked as a charge-off on my credit report. 

This charge-off was incorrectly applied, and the account 's current derogatory status is not a true reflection of my financial responsibility. This inaccurate reporting is unfairly damaging my credit standing, even though the account has been fully resolved. 

I am requesting the CFPBs assistance in having this account removed from my credit report, as it should not have been charged off in the first place and is now fully paid. Please take the necessary steps to address this inaccurate reporting and ensure that my credit report reflects the correct status. 

Thank you for your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: MI

Complaint narrative:
I have been on a deferment with my student loan payments they are reporting as late on my credit report even though Ive been deferred my deferment ends this month and Ive been late 60 times that can not be as Im in deferment

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I'm exercising my rights as a consumer, to dispute inaccurate information directly with the creditor. I'm requesting that all inaccurate, incomplete, and unverifiable information be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: CT

Complaint narrative:
PLEASE REMOVE FRAUDULENT ACCOUNTS AND HARD INQUIRIES OFF MY CREDIT PROFILE IMMEDIATELY FROM XXXX, XXXX, TRANS UNION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00}

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MDG USA Inc.
State: TN

Complaint narrative:
A company pulled my credit report 5 years after I entered store. 

I did not authorize credit use or provide my SSN at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
This complain is regarding Apple Card with Goldman Sachs. I have opened the card in XXXX. I have been using and paying for it for 2 years without any issue. In XXXX XXXX XXXX, my husband had suffered a XXXX XXXX XXXX which temporary reduced our income source and I found myself to be 1 month past due. I called the customer service and asked for a temporary relief. I was 1 payment behind. The lady on the phone told me that she would put me on the payment plan to help me with the past due. My account should not have been closed. I told her that I could make my first payment in XXXX. The payment arrangement was supposed to be ONLY for the past due. I made a payment in XXXX, XXXX, XXXX, XXXX but my account was still showing as past due and being reported as past due. I called them because I wanted to see how much longer I would need to pay. NO ONE could me a definite answer. They only kept on saying : you MIGHT BE, YOU PROBABLY CAN, YOU SHOULD BE ABLE TO. But this is not what you expect from the financial institution especially when it comes to money.Since XXXX, I DID NOT see the written version of my payment arrangement. First I was told that I need to pay the past due to be able to use my card. I did. My card is blocked still. Then I was told that I need to pay {$700.00}. But when I asked, if I pay {$700.00}, will I be able to use my card? No one knows that. Then another rep. told me that I need to pay all {$6000.00} balance BEFORE my card can be unlocked BUT my payment arrangement is ONLY for {$700.00}. Nothing makes sense. The representatives don't have any knowledge. They only read the script. I am waiting for my writen arrangement since XXXX. Someone needs to investigate what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: FL

Complaint narrative:
As per the guidance from The Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me do to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX And would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX XXXX Balance {$1500.00} Account # XXXX XXXX Balance {$2500.00} Account # XXXX  XXXX XXXX Balance {$2800.00} Account # XXXX XXXX XXXX  Balance {$3100.00} Account # XXXX XXXX XXXX  Balance {$540.00} Account # XXXX XXXX XXXX  Balance {$13000.00} Account # XXXX XXXX XXXX  Balance {$11000.00} Account # XXXX XXXX. XXXX XXXX XXXX {$2000.00} Account # XXXX XXXX. XXXX  XXXX XXXX {$200000.00} Account # XXXX XXXX. XXXX XXXX {$1300.00} Account # XXXX XXXX XXXX  Balance {$15000.00} Account # XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-09-08 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX I have also written to all three credit bureaus requesting that they reinvestigate this matter. 
After carefully investigating the company, they are not even licensed to collect in the state that I live in Georgia. 

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies

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 2024-09-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX I have also written to all three credit bureaus requesting that they reinvestigate this matter. 
After carefully investigating the company, they are not even licensed to collect in the state that I live in Georgia. 

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. 

CURRENT : 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  ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crime la which antedates the reports 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 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 2024-09-08 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: Experian Information Solutions Inc.
State: NC

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.

CURRENT : 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 ( Original Creditor : 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 has violated my rights. 


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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crime la which antedates the reports 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 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 2024-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On Or around XX/XX/year> a scam took place on XXXX XXXX that took {$1500.00} from my account ONLY {$1000.00} was returned to to my Savings Account. {$500.00} was was returned to my account from XXXX and {$500.00} was returned from Capital One account. A credit card with {$500.00} was delinquent on that card. I paid XXXX on said credir card. The bank never refunded the balnce on the scam for which it was insured but continued to add interest to the credit card which make my credit score go down. The card ending in XXXX in arrears but can not be uesed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: NY

Complaint narrative:
I review my credit report and noticed that i had a lates payments on an accounts that i was never late for consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that dates you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account Name : XXXX XXXX Account Number : XXXX Dates reporting NOT accurate : XXXX, XXXX, XXXX, XXXX, XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Dates reporting NOT accurate : XXXX, XXXX, XXXX, XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are not accurate. 

Thank you for your help.

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