vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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 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 explanation
Consumer complaint received 2024-06-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
Previous complaint : United Credit Bureau has been communicating with me about my medical debt. On XX/XX/XXXX, I phoned them and got them to agree to send me a written agreement- I would get a discount of 30 % off the payment- they would notify all credit agencies upon payment that this debt was paid in full and can be removed. I emailed them as a follow-up, but didn't hear back from them. On XX/XX/XXXX, UCB phoned me again and offered me a 35 % discount off the payment. They also said that it was a time-sensitive discount and that my time was running out before things escalated. I said I agreed to it and would pay, provided that they would email me a written agreement that they would notify all credit agencies upon payment that the debt was paid in full! They no longer agreed to it, and tried to push me several times into paying! 


New complaint : UCB closed my previous complaint by saying that they would mail me a communication. However, in line with their previous aggressive tactics, the letter finally arrived today ( XX/XX/XXXX ) and it stated that : - I had to pay before XX/XX/XXXX however the letter arrived AFTER the deadline passed- they provided a new provider name that did not match up with the provider name that they sent earlier as proof - their account reference number did not match up with the account number they gave me earlier so should I have paid, it likely would have been marked unpaid on my actual account- I requested written agreement that all credit agencies would be notified upon my payment. this was not included.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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:
To whom it may concern : You have been furnishing errors on my consumer report for months according to my reports. 15 USC 1681 ( a ) clearly specifies that a consumer report should exclude reports containing information solely as to transactions or experiences between the consumer and the person making the report. Attached is a copy of the account and the highlighted areas are showing the violations that have been posted on my report for some time now. 15 USC 1681s-2 gives you the right to furnish delinquent information such as a charge -off but not those transactions and experiences that came before it. 
( XXXX ) ( A ) In general A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnish the information, notify the agency of the date of delinquenc the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. With that being said, the information that is highlighted in the attachment is and has been a violation for over a year now. Please remove these violations

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 2024-06-29 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-06-29 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-06-29 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX, Il XXXX. Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$810.00} 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 2024-06-29 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:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX, Il XXXX. Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$810.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: NJ

Complaint narrative:
MOHELA sent out information that says they would always give 30 days notice before any payments were due. 

I have been unable to access any of my account information for at least a month, and last I heard from MOHELA, my account was on an administrative forbearance. 

Today, SATURDAY XX/XX/XXXX, MOHELA sent me an email to tell me that my next bill is due XX/XX/XXXX. 

When you consider that there is a national holiday on XX/XX/XXXX, they gave me 3 business days to make this payment. 

Also, they don't have my PSLF information available, so I can't see how many payments I have remaining. 

Based on all the information I've learned over the last couple of years, the time during COVID and the subsequent non payments were supposed to count towards my PSLF forgiveness, and I should be finishing up my payments soon. But I have no way of knowing that, and there are forbearance months that I didn't ask for, they they aren't counting towards my account. 

I also worked for a PSLF eligible employer during XXXX  school. I didn't know about PSLF so I was in forbearance during that time as well. But I was making so little that with IDR, my payments would have been minimal. I submitted that time for PSLF but they denied it and I believe that was an error. 

I have attempted numerous times to hey this information from MOHELA representatives on there phone. The first person I speak with usually can't provide any information, so I'll ask to speak with a supervisor. On XXXX occasions they just hung up on me during the transfer, and on other occasions XXXX only answer I can get is " that time is not eligible '' but they can't tell me why. 

They provide terrible information. They make us jump through hoops to figure out how much we need to pay and when, and they are not counting PSLF months in good faith. They are a scummy corporation who is screwing over honest, hardworking American public servants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-06-29 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: MI

Complaint narrative:
I am writing to dispute the information on my credit report regarding account number XXXX with XXXX XXXX and with Experian credit Bureau XXXX XXXX and Experian continues to report inaccurate and inconsistent information pertaining to my CLOSED account. They both report the account is closed but posted late payments, but now reports XXXX 's, the car was repossessed and the acccont was closed, so there should be no late payments or any type of reporting after XX/XX/year> of this account. Experian refuses to reply to my complaint through the Consumer Financial Protection Bureau as they are obligated too, but communicated through there platform ( see attached document ) when I made my first compliant with them through the CFPB XXXX of which they are both obligated to me and the CFPB to detail the steps they have and are taking to resolve my issue. 

Because of the constant and inconsistent reporting of this account by both XXXX XXXX and the Experian credit bureau I am strongly urging the CFPB to do a legal investigation into both named parties in this compliant

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 2024-06-29 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:
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. It is my understanding that you will investigate these items for me to ensure accuracy. The current account has been paid in full as of XX/XX/year>, and should be deleted from my credit report immediately. Here is the item I am asking you to verify as accurate. 

XXXX XXXX Account # 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 2024-06-29 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: GA

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. It is my understanding that you will investigate these items for me to ensure accuracy. The current account has been paid in full as of XX/XX/year>, and should be deleted from my credit report immediately. Here is the item I am asking you to verify as accurate. 

XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: GA

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have two credit cards thru Comenity Bank XXXX and XXXX. Both these accounts have been since XXXX ( XXXX ) and XXXX ( XXXX XXXX XXXX. I have been paperless and both accounts are paid and watched thru their online apps since I have had these accounts. They are both in excellent standing and are paid in full each month. 

I have never had a problem with these online accounts until Thursday, XX/XX/XXXX. I was able to check on some return credits to make sure they were applied to my accounts on both of these cards on the XXXX of XXXX but on the XXXX, I could not get any verification code to come thru to verify myself as the rightful owner of these XXXX accounts. On XX/XX/XXXX I tried again and not only could I not get any verification code, it was telling me that their information and my information did not match. I want to reiterate - NO ONE but me has access to these accounts and when these accounts were set up in XXXX and XXXX, they have never been touched or changed except by me getting married and changing my last name. 

When I could not get anywhere online with these XXXX accounts, on the XXXX I contacted Comenity Bank thru the phone number ( XXXX Talbots ) ( XXXX JJill ) which are on the back of the cards. I spoke with XXXX different customer service people who all told me something different, were beyond rude and had no clue how to help me but they could take my money. They told me my email was wrong, to change my password ( can't because I can't get into my account and had a senior supervisor tell me to wait until next week to see if it resolved itself! But they all offered to take a payment- and they would give me the total they saw- with me having no way of knowing if it was true or not. 

I have no access to my account. No matter what I have tried to do, I can not access it, can't verify purchases or credits nor make a payment unless I take the customer service reps word on what it is. Any they have offered no help in restoring it. 

I do not know if these accounts have been hacked, but Comenity Bank has offered no resources or help in any way of solving these XXXX credit card issues. I have even tried to contact Comenity Bank directly, but to no avail. These XXXX accounts have been paperless for quite sometime. 

I need to be able to get to my accounts to verify everything and to pay my bill on time. This lack of care and concern on Comenity Bank and the unprofessional, ignorant customer service people I spoke with have left me to turn to you in help. I need my accounts restored, checked to see if someone else has had access to these accounts and be able to pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: OH

Complaint narrative:
This account from XXXX is being reported inaccurately on my credit report. This account was sold TWICE to a third party collection agency. This account was PREVIOUSLY removed from my credit profile, due to being reported inaccurately and they has been added it back to my credit profile again which is a violation of my consumer rights according to FRCA Section 611. and FRCA Section 604. I have sent a cease and desist letter to the creditor and each credit bureaus. According to law, information has to be reported accurately on all three bureaus and Experian has not complied, because they have inaccurately added this collection account back to my profile. Please remove this account from my credit file once and for all. XXXXXXXX XXXX XXXX the account number is XXXX the address is XXXXXXXX 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