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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XXXX XXXX I paid my XXXX charge card in the amount of XXXX I was out on medial leave and made an arrangement with the company I called XXXX and they suggested I dispute it with the credit bureau Ive been trying too and they just keep updating the information without removing the late charge and increasing my credit to where it was.

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: EQUIFAX, INC.
State: CT

Complaint narrative:
On XXXX XXXX I paid my XXXX charge card in the amount of XXXX I was out on medial leave and made an arrangement with the company I called XXXX and they suggested I dispute it with the credit bureau Ive been trying too and they just keep updating the information without removing the late charge and increasing my credit to where it was.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Received bad information about your loan
Company: MOHELA
State: DC

Complaint narrative:
I am enrolled in the XXXX XXXX being serviced by MOHELA. Per federal regulations, while we are in forbearance, interest is not to accumulate ( https : //studentaid.gov/announcements-events/save-court-actions ). I, however, have received an email from MOHELA stating my interest continues to accumulate while in forbearance. Furthermore, there is interest accumulated in my account prior to the initiation of the forbearance that needs to be rectified based on the workings of the XXXX XXXX prior to the plan being held.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Your failure to validate disputed late payments violates the Fair Credit Reporting Act. Despite my written dispute over 30 days ago, you have not responded or provided required documentation.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute the inaccurate reporting of an account on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is with XXXX XXXX XXXX, which is reporting the account as past due. However, I have documentation and notifications indicating that this account was closed and charged off without my prior knowledge. 

I believe this information is inaccurate or incomplete for the following reasons : 1. I was not notified that the account was closed and charged off, as required by law.

2. The reporting as past due does not align with the notifications I received. 

I kindly request that you investigate this matter thoroughly. If you find the information to be inaccurate, I request that you : Delete or remove the XXXX XXXX XXXX account from my credit report, or Correct the inaccuracies, ensuring all information reported is complete and accurate. 

I have attached the following documentation to support my dispute : 1. [ Copy of notification regarding account closure/charge-off ] 2. [ Copy of my credit report highlighting the disputed information ] 3. [ Any other supporting evidence ] Please complete your investigation and respond to me within the 30-day time frame required by law. Additionally, I request written confirmation of the actions taken regarding this matter.

Thank you for your attention to this important matter. I look forward to resolving this issue promptly.

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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute the inaccurate reporting of an account on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is with XXXX XXXX XXXX, which is reporting the account as past due. However, I have documentation and notifications indicating that this account was closed and charged off without my prior knowledge. 

I believe this information is inaccurate or incomplete for the following reasons : 1. I was not notified that the account was closed and charged off, as required by law.

2. The reporting as past due does not align with the notifications I received. 

I kindly request that you investigate this matter thoroughly. If you find the information to be inaccurate, I request that you : Delete or remove the XXXX XXXX XXXX account from my credit report, or Correct the inaccuracies, ensuring all information reported is complete and accurate. 

I have attached the following documentation to support my dispute : 1. [ Copy of notification regarding account closure/charge-off ] 2. [ Copy of my credit report highlighting the disputed information ] 3. [ Any other supporting evidence ] Please complete your investigation and respond to me within the 30-day time frame required by law. Additionally, I request written confirmation of the actions taken regarding this matter. 

Thank you for your attention to this important matter. I look forward to resolving this issue promptly.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to their failure to respond to my valid request for verification and validation of a debt they are reporting on my credit report. Specifically, I have attempted multiple times to contact them to verify the details of the alleged debt and have not received any response or documentation to substantiate the debt they claim I owe. I do not and have not ever done business with this company or the original creditor they are reporting. 

Despite my efforts to communicate with them in a timely manner, I have been left without the required documentation, which is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, I am entitled to request proper validation of any debt being reported on my credit report, and the reporting entity must provide documentation or proof that I owe the debt in question. 

To date, I have sent written requests for debt validation and have provided reasonable time for XXXX XXXX XXXX to respond. However, I have not received any communication from them, nor have they provided any evidence or verification that substantiates their claims. This lack of response not only leaves me uncertain about the legitimacy of the debt but also harms my credit standing. 

Because of XXXX XXXX XXXX 's failure to provide a timely response and to properly validate the debt they are reporting, I am now seeking resolution through this complaint. I request that they provide the required documentation or remove the incorrect and unverifiable information from my credit report. 

Thank you for your attention to this matter.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I just recently looked at my credit report XXXX, 2024. I saw some hard inquires that did not have permissible purpose. I sent a letter to Equifax on XX/XX/XXXX and XX/XX/XXXX of 2024 through certified mail and asked them to investigate this but they still have not fixed this problem. Can you investigate this matter. I also attached evidence.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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: MOHELA
State: TX

Complaint narrative:
Hi, I was on the save plan when it got forced into forbearance waiting on the court injunction. 

Mohela emailed me saying " During periods of forbearance, interest continues to accrue. 
Please refer to the electronic notification, which can be found in your MOHELA account, for specific loan details. '' However on the student loan save plan website it says during this forbearance period Interest will NOT accrue. I just want to make sure mohela does not wrongly charge me and do some shady business.

Thanks. 

Source XXXX XXXX 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
About a few weeks ago I found this unsecured loan on my credit report that I was not aware of my information was used as a co-sign on this account, my personal and credit information was used on this loan to get it, I have never paid on this loan and this loan exists for more than a year ago and was current on the payments and I wasnt aware of that my credit was attached to it. Unfortunately my information was used with out my consent and I need to have this account and negative remarks out of my credit report, I have many accounts and never have a late payment before. Please be advised I will contact the attorney general about this situation and I will hire an attorney if I have to get to that point also.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Mid XXXX this year I ordered from Apple with the Apple Card XXXX and an Apple XXXX. I received the AirPods which I returned XXXX but the Apple XXXX I canceled and mid shipment it was redirected back to XXXX and that was through UPS. They keep trying to tell me they didn't receive it and then someone told me they received it at the warehouse but it has to process and they remove these charges completely from my account, they keep sending me harassing emails requesting information I don't have they should have all the documentation through Apple and through the Apple card. I have called so many times and spent hours on the phone with them thinking it's resolved only to get another email saying that they need information in a few days. This has been very stressful and has caused me considerable upset

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: MOHELA
State: WI

Complaint narrative:
XX/XX/24 Received communication that my loans were put into forbearance because of the SAVE court case. I am in the PSLF program. I was still receiving invoices to make payments on my loans for XXXX and XXXX and made payments. I come to find out that the payments I had already made were not required and did not count towards my PSLF, but Mohela failed to send accurate information in time. 

XXXX Received communication that interest is accruing on my loans because they are in forbearance. However, the federal government clearly stated that NO INTEREST would accrue on loans in the SAVE plan because of the court case. I immediately tried calling the help number : XXXX. Multiple attempts the call wouldn't even connect and the one time it did it had a recorded message that I would need to call back later with no explanation. I called during the servicing times. I will continue to call. I made another attempt to contact MOHELA through their email listed. Message was sent same day and will wait on communication.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I have never had an escrow account with Newrez. I paid my property tax for XXXX and later discovered that Newrez also paid my property tax even though I do not have an escrow account. I have sent their tax department a copy of my payment and the receipt from XXXX county.I have spoken to several senior account managers with Newrez since XX/XX/XXXX and to date no one has corrected the issue. I have spent over 20 hours on the phone with countless Newrez employees trying to rectify their error. They have admitted that I never set up an escrow account. And have stated that it was their error and they are trying to rectify the situation with XXXX County. In the meantime, they are assessing late fees and adversely affecting my credit score by not solving this issue. Every time I deal with a senior account representative they never return my calls or acknowledge my countless emails. I do, however, receive phone calls several times a week stating that my payment is late. I have never missed a payment. Their philosophy seems to be to ignore the consumer and hope the problem solves itself. 

Thank you, 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 2024-12-03 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: AR

Complaint narrative:
I did not provide written consent for my accounts to be reported to consumer reporting agencies ; the information on these accounts is inaccurate.

Company response to consumer: Closed with explanation