vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX Collection Account Under FCRA To Whom It XXXX Concern, I am writing to dispute the collection account reported by XXXX XXXX XXXX XXXX on my Equifax credit report. Based on my investigation through the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX is not licensed to collect debts in the state of California. As such, the reporting of this account is both inaccurate and unlawful. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX ( b ), Equifax is required to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a collection account from an unlicensed entity that is prohibited from collecting debts in California fails to meet this standard. Furthermore, under XXXX XXXX XXXX ( a ) ( XXXX ), I have the right to dispute inaccurate or unverifiable information, which obligates Equifax to investigate and remove such information from my credit report if it can not be verified. 

Details of the Disputed Account Account Name : XXXX XXXXXXXX XXXX  Amount Alleged Owed : {$1400.00} Actions Requested : Investigate License Status : Verify through the XXXX XXXX XXXX XXXX and the California Department XXXX XXXX XXXX and Innovation that XXXX XXXX XXXX is not licensed to operate in California. 

Remove the Inaccurate Entry : Permanently delete this collection account from my credit report as the entity has no legal authority to collect debts in my state. 

Provide Written Confirmation : Send me a written response confirming the removal of this account and provide an updated copy of my credit report reflecting the correction. 

Equifax must complete this investigation and respond within the XXXX timeframe required under the FCRA. Failure to comply with these obligations will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. If additional information is required, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. 
I noticed XXXX late payments on the account that I was in fact paid on time. 
for the month of XX/XX/2023 I paid on time and for the month of XX/XX/2023 it shows that I was XXXX  days past due and for the month of XX/XX/2023 I'm XXXX  days past due that's inaccurate. 

I've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023. 
I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments if this information can not be verified I demand these payments to be updated to paid on time immediately. 
Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2024-12-03 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. 
I noticed XXXX late payments on the account that I was in fact paid on time. 
for the month of XX/XX/2023 I paid on time and for the month of XX/XX/2023 it shows that I was 90 days past due and for the month of XX/XX/2023 I'm 120 days past due that's inaccurate. 

I've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023. 
I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments if this information can not be verified I demand these payments to be updated to paid on time immediately. 
Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MOHELA
State: TX

Complaint narrative:
I noticed Mohela was reporting a student loan balance that is not my account and when I disputed it, they said that it was verified as valid, which is not, and I could even show it on my student loan account where my Mohela account does not equal that amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
[ XXXX ] I am writing to file a complaint against XXXX XXXX regarding a derogatory account of {$500.00} listed on my credit report. This entry is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate and verifiable. 

I discovered this derogatory account on [ XXXX ] and have attempted to dispute it directly with XXXX XXXX. Despite my efforts, including [ briefly describe your attempts, e.g., phone calls, written disputes ], the account remains unresolved. 

Under the FCRA, I am entitled to have any inaccurate information corrected or removed. This derogatory mark is unjustly harming my credit score and financial opportunities. I request that the CFPB investigate this matter and ensure the removal of this inaccurate entry from my credit report. 

Thank you for your assistance. 

Sincerely, [ ] [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: WI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/XXXX at XXXX XXXXXXXX XXXX$900.00} was taken out of my checking account From chime XXXX XXXX, I place a dispute on the amount and never received the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MN

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 u.s.c. 1681 Account XXXX... XXXXXXXX XXXX XXXX  ... Account # XXXX... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ... 15 u.s.c 1681 section 602 A. state 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 reports containing any of the adverse item of information, other than record 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 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My social security numbers and identity have been leaked 8 times this year

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 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: OK

Complaint narrative:
I opened a POWER PAY account, loaded it with {$40.00} for a rental account I have emails for the opening of the account, and paid over phone with rep. 

NEVER OPENED ANY EXTRA ACCOUNTS AT XXXX for service. Never paid any deposits. Nothing, PULL ANY AND ALL CALLS MADE FROM XXXX follow up on my investigation opened thru XXXX. BUT I DO NOT OWE THIS XXXX BILL.. 

And I WILL SUE if you all continue to be on my credit and attempt any collection on a fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: KY

Complaint narrative:
On XX/XX/2024 I received a letter from MOHELA informing me : " MOHELA has Completed its Loan Servicing Platform Transition for My Student Loans effective XX/XX/2024. 

I called a MOHELA representative on XX/XX/2024 regarding the {$3000.00} student loan payment that I paid on the MOHELA platform on XX/XX/2024. I informed the representative that my {$3000.00} payment on MOHELA was not reflecting on my current balance. The representative informed me on XX/XX/XXXX that my {$3000.00} payment would reflect within 30 days. She stated that it would take 30 days for the payment to transition from MOHELA onto the new mohela.studentaid.gov platform. 

Unfortunately, after 30 days this payment still failed to reflect in my current balance. I called again on XX/XX/2024 to speak with a MOHELA manager. The manager stated that they were able to see my {$3000.00} payment made on XX/XX/2024 but that it was " stuck '' on the old MOHELA platform and had not yet transferred. I was given the case number ( XXXX ) and asked to call back on XX/XX/XXXX if they payment was still not reflecting by then. 

I called MOHELA back on XX/XX/2024 as instructed and spoke with another representative. This representative stated that the payment would process after 90 days instead of the initial 30 days I was originally informed. 

It is now XX/XX/2024, approximately 7 months past my original XX/XX/2024 payment. My {$3000.00} payment is still NOT reflecting in my student loan balance. To add insult to injury I received an email today on XX/XX/2024 informing me that interest will continue to accrue while in forbearance and that I can continue to make payments. Interest is now accruing on an inaccurate balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: PA

Complaint narrative:
Servicer Name : ED Financial Services Loan Type : Federal Student Loans Loan Status : Currently in forbearance, enrolled in the XXXX plan I am filing a formal complaint against ED Financial for their continued mishandling of my federal student loans. My loans have been in forbearance, and I am enrolled in the XXXX plan, yet ED Financial has been illegally adding interest to my loan balance for over a year now. This is an ongoing issue that I have experienced multiple times, and I am fed up with their incompetence and blatant disregard for federal loan regulations. 
How is it possible that interest is accruing on my loan balance when the interest rate is 0 % under the XXXX plan and during forbearance? This question needs to be addressed immediately. If the interest rate is 0 %, then no interest should be added to my loan balance. ED Financial 's actions are completely unacceptable, and I demand an explanation. 

Under the terms of the XXXX plan and federal student loan guidelines, interest should not be capitalized or added to the balance during forbearanceespecially for borrowers enrolled in an income-driven repayment ( IDR ) plan. ED Financials refusal or inability to follow these basic rules is infuriating, and I will not tolerate it any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-03 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance Owed : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance Owed : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
An account for XXXX  XXXX appears on my credit report with a balance of {$5400.00} however the debt was written in ff and a offset balance was reported to the IRS ( Cancellation of Debt ) according to the fair credit reporting act they can no longer attempt to collect or reopen account to collect which they have unlawfully done

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 2024-12-03 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: NC

Complaint narrative:
An account for XXXX  XXXX appears on my credit report with a balance of {$5400.00} however the debt was written in ff and a offset balance was reported to the IRS ( Cancellation of Debt ) according to the fair credit reporting act they can no longer attempt to collect or reopen account to collect which they have unlawfully done

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