vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XX/XX/XXXX XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my XX/XX/XXXXXXXX account ( Account # : XXXX ) on my credit file maintained by Experian. These inaccuracies misrepresent my payment history and creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Nature of the Complaint Inaccurate Reporting : XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
Experian XXXX XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
The account is reported as current, with consistent payments on time except for these erroneous late payment records. Additionally, I have been enrolled in autopay, ensuring no late payments occur. 
Discrepancies in Account Information : High Balance : XXXX and Experian report {$380.00}, while XXXX lists {$0.00}. 
Last Verified Date : XXXX lists XX/XX/XXXX, while Experian and XXXX have no data for this field. 
Date of Last Activity : XXXX and XXXX list XX/XX/XXXX, while Experian lists XX/XX/XXXX. 
XXXX XXXX : XXXX, Experian, and XXXX consistently show {$78.00} ; however, the late payment records contradict this. 
Violation of the FCRA ( 15 U.S.C. 1681 ) : Section 1681e ( b ) : Failure to ensure maximum accuracy of consumer reports.

Section 1681i : Failure to conduct a proper investigation when disputes were previously raised.

Section 1681s-2 : Reporting inaccurate or incomplete account data.

Potential Violation of FDCPA ( 15 U.S.C. 1692e ) : The inaccurate reporting of late payments may constitute false representation of the character or legal status of my account.

Truth in Lending Act ( TILA ) : Inaccurate reporting practices fail to meet the standards of transparent and accurate credit disclosures. 
Requested Resolution I request that Experian : Conduct a thorough investigation of the XX/XX/XXXXXXXX account inaccuracies. 
Remove all erroneous late payments ( XXXX : XX/XX/XXXX and XX/XX/XXXX ; Experian and XXXX : XX/XX/XXXX and XX/XX/XXXX ) from my credit file. 
Update all other account details to ensure maximum accuracy, including high balance, activity dates, and payment history. 
Compliance Reminder Pursuant to 15 U.S.C. 1681n and 1681o, failure to correct these inaccuracies within the statutory 30-day window may result in civil liability, including damages, attorney fees, and punitive measures. 
I look forward to your response within the legally mandated time frame. Please provide written confirmation once the corrections are made. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer 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 2025-01-14 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: LA

Complaint narrative:
I am aXX/XX/XXXX. The information listed below, which appears on my credit report, is the result of thatXX/XX/XXXX 

XXXX # XXXX XX/XX/year> -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-01-14 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: RI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a XX/XX/XXXX I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NE

Complaint narrative:
Subject : Urgent : Lack of Response on Forbearance Applications Submitted in XXXX and XX/XX/year> To Whom It May Concern : I am writing to express my frustration and concern regarding the lack of communication and action on my forbearance applications submitted in XXXX and XX/XX/year>. Despite multiple attempts to address this issue, I have yet to receive any confirmation, updates, or resolutions from MOHELA. 

This delay is causing significant financial strain, and I am disappointed by the lack of responsiveness. I have called numerous times seeking assistance, but I have been unable to connect with a representative who can provide clear answers or quality service. Each attempt has left me more frustrated and without a resolution to my pressing concerns. 

The financial challenges I am facing make it imperative that this matter is addressed promptly. I trust that MOHELA values its borrowers and will take the necessary steps to rectify this situation without further delay. 

Please respond to this email or contact me directly at XXXX or ( XXXX ) XXXX as soon as possible. 

Thank you for your attention to this urgent matter. 

Sincerely, 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 2025-01-14 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: FL

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a XX/XX/XXXX, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The check was not honored. 
Chase has not explained to me why the check was not honored.

Chase has prevented me from accessing the account through Chase.com

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XX/XX/XXXXXX/XX/XXXX Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-16 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: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 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: FL

Complaint narrative:
I am writing to formally request verification of the following accounts that appear on my credit report, as allowed under Section 609 of the Fair Credit Reporting Act ( FCRA ). The information below appears to be inaccurate, and I am requesting proof of verification to support its continued presence on my credit report : As per FCRA 609, I am requesting copies of any contracts or agreements that you have on file that demonstrate my responsibility for these debts. If you are unable to provide the necessary verification documents, I request that these items be deleted from my credit report immediately.

15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 2025-01-14 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXXXXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my XXXX XXXXXXXX account ( Account # : XXXX ) on my credit file maintained by Equifax XXXX These inaccuracies misrepresent my payment history and creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Nature of the Complaint Inaccurate Reporting : Equifax : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
The account is reported as current, with consistent payments on time except for these erroneous late payment records. Additionally, I have been enrolled in autopay, ensuring no late payments occur. 
Discrepancies in Account Information : High Balance : XXXX and XXXX report {$380.00}, while Equifax lists {$0.00}. 
Last Verified Date : XXXX lists XX/XX/XXXX, while XXXX and Equifax have no data for this field. 
Date of Last Activity : XXXX and Equifax list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX XXXX : XXXX, XXXX, and Equifax consistently show {$78.00} ; however, the late payment records contradict this. 
Violation of the FCRA ( 15 U.S.C. 1681 ) : Section 1681e ( b ) : Failure to ensure maximum accuracy of consumer reports.

Section 1681i : Failure to conduct a proper investigation when disputes were previously raised.

Section 1681s-2 : Reporting inaccurate or incomplete account data.

Potential Violation of FDCPA ( 15 U.S.C. 1692e ) : The inaccurate reporting of late payments may constitute false representation of the character or legal status of my account.

Truth in Lending Act ( TILA ) : Inaccurate reporting practices fail to meet the standards of transparent and accurate credit disclosures. 
Requested Resolution I request that Equifax : Conduct a thorough investigation of the XXXX XXXXXXXX account inaccuracies. 
Remove all erroneous late payments ( Equifax : XX/XX/XXXX and XX/XX/XXXX ; XXXX and XXXX : XX/XX/XXXX and XX/XX/XXXX ) from my credit file. 
Update all other account details to ensure maximum accuracy, including high balance, activity dates, and payment history. 
Compliance Reminder Pursuant to 15 U.S.C. 1681n and 1681o, failure to correct these inaccuracies within the statutory 30-day window may result in civil liability, including damages, attorney fees, and punitive measures.

I look forward to your response within the legally mandated time frame. Please provide written confirmation once the corrections are made. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I received notification of my personal score going down and after investigation World Acceptance Corporation started reporting a monthly charge off on an account that was paid in XXXX XXXX XXXX. I spoke to the director of the company numerous times and it still has not been corrected. It is my understanding that there should be no MONTHLY reporting of a charge off once paid. This has caused my score to drop XXXX points and is creating a hardship. I have called and emailed the company and they are continuing to erroneously report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Please see the attached notarized and dated affidavit supporting my claim of inaccurate reporting on XXXX student loan accounts listed on my credit report. The accounts in question are as follows : DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** The reported 90-day late payments on these accounts are inaccurate. During the reported dates, my loans were deferred meaning no payments were due, and no late payments should have been reported. I was on an income driven plan, and I was making no income. There was a class action lawsuit filed against Nelnet in XXXX, which resulted in a decision to delete inaccurate information, yet these errors persist on my credit report in XXXX. 

I am keeping a detailed paper trail of our correspondence in case legal action becomes necessary again. I will not hesitate to seek monetary relief for financial harm and emotional distress caused by this prolonged inaccuracy. Over the past 10 months, I have sent disputes and CFPB complaints to both Nelnet and the credit reporting agencies, accumulating substantial evidence of your failure to resolve this issue. 

I demand that these accounts be updated immediately to reflect the correct status : paid as agreed, never late. This correction must be completed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
I received notification of my personal score going down and after investigation XXXX XXXX XXXX started reporting a monthly charge off on an account that was paid in XXXXXXXX XXXX XXXX. I spoke to the director of the company numerous times and it still has not been corrected. It is my understanding that there should be no MONTHLY reporting of a charge off once paid. This has caused my score to drop XXXX points and is creating a hardship. I have called and emailed the company and they are continuing to erroneously report on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
I am contacting old and outdated information that is appearing on my credit report. According to the Fair Credit Reporting Act negative information can only appear on my credit report for 7 to 10 years. These are the items in question. 

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 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: CT

Complaint narrative:
XXXX XXXXXXXX XXXX sent a debt to collections that were inaccurate and negligent in their administrative processing of the cancellation of XXXX contracts. 

XXXX unbeknownst to me a recurring charge was being billed to me after I canceled the service contract in XXXX for XXXX XXXX XXXX XXXX XXXX The company only canceled XXXX XXXX XXXX. 

XXXX the bill spans from XXXX to XXXX. 

XXXX. I was notified by phone about the collection before receiving written notification from either the gas company or the debt collection agency. 

XXXX. An attempt to escalate the matter was void because the debt was placed in collection. 

XXXX. I am a senior on a fixed income and a gas budget plan. The proposed debt is XXXX. 
XXXX. My credit is threatened. 

XXXX. I was never allowed to appeal the debt before collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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