vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: IL

Complaint narrative:
I am writing to formally request the blocking and permanent deletion of the accounts and inquiries listed below from my credit report. I am a victim of identity theft, and under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent information resulting from identity theft removed from my credit files. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit reports immediately : Accounts 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 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 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: TN

Complaint narrative:
I filed a dispute with Experian about inaccurate negative information on my credit report regarding a settled account ( XXXX  XXXX  XXXX  ). This account was legally settled and closed in XXXX through a release agreement, and I have no remaining obligations. Despite this, Experian recently updated my report to show derogatory information on this account, including a Potentially Negative status and a payment history with late payments, even though the account has had no activity since XXXX. 

After I disputed this with Experian, they responded with a generic explanation of their dispute process, failing to address the specifics of my case or verify the accuracy of the newly added negative information. I requested a method of verification under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), but Experian did not provide XXXX. This update appears to violate FCRA 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy, as well as FCRA 611 ( a ) ( 1 ) ( A ), which mandates a reasonable investigation for disputes. 

This situation is similar to recent cases, such as XXXX XXXX Experian XXXX XXXX XXXX XXXX, where Experian was found to have failed in its duty to investigate thoroughly, and a recent class-action settlement where Experian was XXXX for failing to verify third-party information accurately. 

I am seeking the removal of the inaccurate negative information from my credit report, a full method of verification from Experian, and assurance that Experian will comply with FCRA standards in all future disputes.

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 2024-11-01 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: AZ

Complaint narrative:
I am writing to request the removal of specific unauthorized accounts and inquiries from my credit report. I am a victim of identity theft linked to a recent data breach, and these items were fraudulently added to my report. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$420.00} Fraudulent Inquiries : XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: CO

Complaint narrative:
The XXXX acounts I have attached are not mine and the credit reporting agencies are saying the information was verified. I am still in a chapter XXXX and under federal laws. I can not open any new account such as loan or credit cars. With the Trustee approval. The will send me the approval letter from the Trustee. On of them has a court order child support they state I am am be hide the state refused to send documents to me and say there is no signed court order. The court order is singed. I did turn in the child support to the federal and state XXXX XXXX for fraud.

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 2024-11-01 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: CO

Complaint narrative:
The XXXX acounts I have attached are not mine and the credit reporting agencies are saying the information was verified. I am still in a chapter XXXX and under federal laws. I can not open any new account such as loan or credit cars. With the Trustee approval. The will send me the approval letter from the Trustee. On of them has a court order child support they state I am am be hide the state refused to send documents to me and say there is no signed court order. The court order is singed. I did turn in the child support to the federal and state XXXX XXXX for fraud.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
Payments were made on the account and creditor evidently refused payment because they reported account late which is a violation of 15 USC 1666 ( b ) a ; 15 USC 1681e ; 15 USC 1692. Creditor has engaged in harassment initiated on XXXX XXXX XXXX and has continued not less than twice daily with phone calls starting as early as XXXX XXXX XXXX until the hours of XXXX XXXX XXXXXXXX. These actions performed by the creditor has caused emotional stress and mental anguish with the repeated calls throughout the day everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
incorrect information reporting on my credit profile and i would like all of these items remove from my credit profile Accounts- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Hard-Inquires XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
This is an addendum to my previous complaint against Mohela with the Consumer Financial Protection Bureau ( complaint ID XXXX ). On XX/XX/year>, I sent Mohela the following message on their mohela.studentaid.gov website : " I faxed Mohela a paper application to switch to the IBR ( Income-Based Repayment ) plan on XX/XX/year>. More recently, I submitted an online application through studentaid.gov to switch to IBR ( Income-Based Repayment ) on XX/XX/year>, and Mohela received that online application on XX/XX/year>. According to the website at XXXXXXXX XXXX XXXX it states : 'As described below, servicers may place borrowers into a different forbearance category, known as processing forbearance, if the servicers need additional time to process those borrowers applications to enroll in IDR, recalculate their payments on an IDR plan, or recertify their incomes for their IDR plan. In contrast to the general forbearance for borrowers enrolled in SAVE ( previously known as REPAYE ), interest will accrue while a borrower is in processing forbearance. Additionally, time spent in processing forbearance ( up to 60 days ) is eligible for PSLF and IDR credit. Processing forbearance will last no longer than 60 days, at which point a borrower may be placed into general forbearance under the terms described for that status. ' I request to be placed into a processing forbearance now ( since I am still waiting to be switched to Income-Based Repayment ), for up to 60 days, so I can continue receiving credit toward Public Service Loan Forgiveness. I will also send proof of the processing forbearance I am requesting from Mohela to studentaid.gov and the Consumer Financial Protection Bureau, the latter of which I have already filed a complaint against Mohela with. Thanks. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: AZ

Complaint narrative:
I am writing to request the removal of specific unauthorized accounts and inquiries from my credit report. I am a victim of identity theft linked to a recent data breach, and these items were fraudulently added to my report. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$420.00} Fraudulent Inquiries : XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : 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 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Dear CFPB, I'm writing to dispute Credit Collection Services unlawful collection practices and request an investigation into their violations of federal law. 

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : No validation information provided.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : No opportunity to dispute account.

3. 15 USC 1681s-2 ( 7 ) ( A ) : Furnished information without required disclosures.

4. 12 CFR 1006.34 ( d ) : False, misleading and deceptive practices.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I revoke Credit Collection Services rights to communicate with me through : Phone calls Text messages Mail Email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, CALIFORNIA XXXX Date of Birth : XXXX Last 4 of SSN : XXXX DATE : XX/XX/year> Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, CALIFORNIA XXXX Date of Birth : XXXX Last 4 of SSN : XXXX DATE : XX/XX/year> Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX LEGAL DEPARTMENT ET AL RE : FORMAL NOTICE OF DEMAND FOR ARBITRATION IT has now come to my attention that despite my due diligence and amicable concern to positively find resolution into the matters on the fraudulent inaccurate reporting of companies XXXX XXXX and parent company XXXX XXXX via the illegally and breach of the binding arbitration agreement; the placement of deferment for payment code XXXX to consumer agreement upon closing and charging off the account at XXXX in retaliatory tactics to injury and detract further credit extensions on my part from other lenders and merchants. This is unethical, illegally, and egregiously injurious and discouraging to me as merchant that EQUIFAX would allow this gross misconduct thus potentially and liable to breach the established arbitration agreement between EQUIFAX and I ; both as the consumer XXXX XXXX XXXX, as well as the entity XXXXXXXX XXXX XXXXXXXX XXXX I HEREBY DEMAND AN ARBITRATION MEETING AND RESOLUTION BE HELD IMMEDIATELY based on these above matters not dealing in FCRA matters at this time. I expect a response in 15 days directly by email by a live representative at XXXX to discuss and disclose the details and terms to reach this amicable arbitration resolution. 


Sincerely, XXXX A XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I had difficulty managing my credit card payments, so I contacted XXXX to discuss possible arrangements. Unfortunately, XXXX declined to help, which caused me to fall behind on my credit card obligations. This led to my account being sent to a collection agency. I have since settled the account and resumed making payments. However, XXXX has failed to update my account status and has kept the negative information on my report. This has significantly harmed my credit rating and score. I urge you to remove all XXXX accounts from the records of all three major credit reporting agencies, as this unjust situation continues to affect my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had difficulty managing my credit card payments, so I contacted XXXX to discuss possible arrangements. Unfortunately, XXXX declined to help, which caused me to fall behind on my credit card obligations. This led to my account being sent to a collection agency. I have since settled the account and resumed making payments. However, XXXX has failed to update my account status and has kept the negative information on my report. This has significantly harmed my credit rating and score. I urge you to remove all XXXX accounts from the records of all three major credit reporting agencies, as this unjust situation continues to affect my financial well-being.

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