vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a COSTCO CITI Visa which can be deactivated if my COSTCO account is closed or not renewed. XX/XX/XXXX was my annual renewal and I had this set up to be done automatically using the CITI Visa. For whatever reason it was no automatically renewed as previously set up and the account closed on XX/XX/XXXX. I immediately contacted CITI morning of XX/XX/XXXX and was told I needed to reestablish my membership first to reactivate my card. I did this immediately, called CITI back provided updated info and was told it would be reviewed. Almost three weeks later, and after several follow up calls, I was told that my account would in fact not be reactivated an the almost {$700.00} in rewards I have earned year to date would be revoked. I asked and pleaded as I was relying on this earned money for a family project to please help me if anything at least apply the rewards to my current balance to help me pay the card off since it would not be reactivated. I was again told nothing could be done. I earned this money through purchased throughout XXXX. In addition the rewards I earned separately through COSTCO were applied to my account.if CITI Visa was interested in helping something could be done. Essentially they stole reward points I earned for purchased I made and paid. PLEASE 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
Consumer complaint received 2024-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
Hello, My name is XXXX XXXX and I had private student loans through Navient earlier this year. I attended a predatory school ( XXXXXXXX XXXX  ) where I have received forgiveness on my federal student loans through the XXXX vs XXXX lawsuit. I qualified for the XXXX XXXX to XXXX through the XXXX vs XXXX lawsuit. I started corresponding with multiple people at Navient in XXXX regarding my private student loans. Even though I was making regular payments, the balance continued to only increase because these were in my opinion " bad loans '' with high interest rates. As a result, I talked to representatives with Navient to include XXXX XXXX the " Unit Collections Manager '' of XXXX XXXXXXXX XXXX at Navient ( EMAIL : XXXX XXXX XXXX and XXXX XXXX 's phone numberXXXX ) starting in XXXX of XXXX. Despite talking to XXXX XXXX via phone ( and over email ) as well as MULTIPLE other Navient employees ( XXXX and XXXX as well who work in that department ). NONE of these Navient employees informed me of other options even though I told them I attended a predatory school ( where my private loans were taken out ) and was approved for XXXX XXXX to Repayment. NONE of the Navient employees including XXXX XXXX who is a SUPERVISOR with Navient informed me that within a couple months ( summer of XXXX ) there would be an option to request a " School Misconduct Discharge Application '' ( see XXXX XXXX XXXXnavientXXXX for more information. ) Because I was never provided this information, I ended up taking out {$21000.00} in my retirement to " settle '' on my private loans with Navient. If I had been provided ACCURATE, HELPFUL information from Navient I would have been told that this program would be beneficial for me to apply for instead of taking out that much money of my retirement. I would like to file a complaint and request that I am allowed to apply for the " School Misconduct Discharge '' for the settled amount ( {$21000.00} ) I paid Navient out of my RETIREMENT because I was PURPOSELY not provided this information from Navient that there were other options or that this program even existed. None of this is surprising given Navient 's recent lawsuit. ( XXXX XXXX XXXXXXXX ) I have TONS of documentation in writing of my requests to get Navient employees to help me with this situation and in none of that documentation did they INFORM me of this School Misconduct discharge program due to attending a predatory school. I will attach this documentation to all the Navient officials as well as my approved XXXX XXXX to Repayment letter from the Department of Education. I am also attaching documentation of my MULTIPLE attempts to get Navient to send me the School Misconduct Discharge application to no resolve. 

I appreciate any help you can provide. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will Investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account Number : XXXX LAST REPORTED ON XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: KY

Complaint narrative:
Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : * Creditor or Institution Name : XXXX XXXX * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable.

Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. 

Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have XXXX wrong and unauthorized inquiries on my credit report with Experian, please delete that following wrong inquiries, thank you. 

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 explanation
Consumer complaint received 2024-11-22 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 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: LA

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 XXXX out of XXXX 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 non-monetary relief
Consumer complaint received 2024-11-22 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: HI

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-22 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: NY

Complaint narrative:
On my credit report there are several errors, which I reported online and by certified mail to all 3 agencies as well as filed complaints with you which can be traced and nothing was done. I have also provided sealed letters and court certified letters and still it was not corrected. 1. My name which court letter was also provided is XXXX XXXX. XXXX. The child support account was paid on time and paid in full by XX/XX/year> and sealed certified letter was provided to you and all the agencies by the child support enforcement unit confirming my claim and all has been ignored and not corrected, even when I put the agencies on the phone with the agent to confirm that the infos were wrong and still shows. I do not have any negative history and yet for some reason this specific child support account shows late payments and etc, which is completely wrong and incorrect. The support account was court enforced and could not have had large or no payment because the court would not allow that, and it was paid and done with since XX/XX/XXXX. 2019, which my son turned XXXX at that point. This is just disgusting that I have provided everything and still shows all this nonsense. Also the payment history on my report is not at 100 % because of all is nonsense. Again all documentation and court certified letters were sent to you and all the 3 agencies by certified mail as well as online uploads.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax regarding inaccuracies on my credit report, including late payments, charge-offs, and unauthorized hard inquiries. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax was required to complete their investigation and respond to my dispute within 30 days, by XX/XX/year>. Equifax failed to respond within this timeframe, only providing a response through this portal on XX/XX/XXXX, XXXXwell beyond the legally mandated deadline.

As stipulated in FCRA 611 ( a ) ( 5 ) ( A ), if a credit bureau can not verify disputed information within the 30-day timeframe, they are required to delete the information. XXXX retention of these items constitutes a direct violation of the FCRA. 

The accounts and inquiries that Equifax failed to verify within the required timeframe include : 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 
Hard Inquiries by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Equifax also failed to provide the required method of verification under FCRA 611 ( a ) ( 7 ), such as creditor contact information or supporting documentation. Additionally, Equifax ignored my explicit request for responses to be sent via certified mail, further demonstrating procedural negligence. 

XXXX failure to meet the 30-day deadline legally mandates the deletion of all disputed items from my credit report. Their non-compliance has caused me significant harm, including : A XXXXpoint drop in my credit score. 
Increased loan costs of $ XXXX due to higher interest rates. 
Denial of credit opportunities, forcing me into financial hardship. 
I request that the CFPB enforce FCRA compliance by requiring Equifax to : Immediately delete all disputed items from my credit report as required by law. 
Investigate XXXX systemic non-compliance with FCRA. 
Impose penalties for their willful and negligent violations. 
XXXX failure to respond within the legally mandated timeframe invalidates any claims of verification. I seek immediate resolution of this matter to prevent further harm.

Company response to consumer: Closed with non-monetary relief