vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information 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 2024-09-20 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-20 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: VA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX XXXX, which has negatively impacted my credit report. The incorrect information is being reported to both XXXX and TransUnion. Here are the relevant details of the situation : 1. Loan Details : This was an auto loan for a vehicle that I traded in on XX/XX/year>. The dealership promptly paid off the loan to XXXX XXXX XXXX XXXX on XX/XX/year>, using a check, which I will include in this report. 
XXXX. Issue with TransUnion Reporting : On my TransUnion report, the payment status incorrectly states 30 days late, even though the past due amount shows zero and there are no 30-, 60-, or 90-day late payments reported. This discrepancy clearly shows the inaccuracy of the reporting, as the account should simply state Paid as agreed with no late payments recorded.

4. Incorrect Reporting Practices : According to my communication with XXXX, they claim the 30-day late payment is based on when my last payment was made. However, this should be based on my original payment due date, which was not 30 days past due at any time. The loan was paid off in full by the dealer within the appropriate time frame, and the account has always been in good standing. XXXX continued reporting of a late payment is misleading and incorrect

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 2024-09-20 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-20 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: FL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-20 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:
XXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date.

Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this.

Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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
Consumer complaint received 2024-09-20 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/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date.

Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this.

Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I have tried to connect with this company several times to figure out who they are and it has been unsuccessful. I have no idea what this is and they are reporting in different ways on 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 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was charged multiple different times today, XX/XX/XXXX for a company called XXXX XXXX  the transactions total of {$540.00}. No idea who these charges are or what this company is. This is the second time this has happened with Venmo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/2024, I was served a complaint in the District Court of the county that I live in by the Plaintiff identified as Midland Credit Management , INC ( MCM ). MCM filed a lawsuit claiming that they had purchased a debt that I had and is trying to claim damages on the account. MCM failed to do the following, which is a violation of the Fair Debt Collections Act and a consumer protection act in my state, 1. MCM never validated the debt with myself and I never had a chance to do so. 2. MCM never sent a notice to take legal action and did not include this notice in their filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
i've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC
State: NV

Complaint narrative:
I request the removal of an eviction record associated with my name which I believe is inaccurate or unjustified. 
Under the Fair Credit Reporting Act ( FCRS ) I have the right to dispute any inaccuracies in my consumer report. I believe this eviction record is erroneous for the following reasons would cause extreme hardship and lack of gaining housing for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CO

Complaint narrative:
In XXXX of 2024, I completed a SAVE plan and IDR application. Mohela did not review this application prior to XX/XX/year>. I qualified for the SAVE plan and IDR plan that meant I was to pay {$0.00} a month, which is exactly what I can afford. They attempted to charge me nearly {$300.00}, even though I had completed the application. It sat under review and had not even been processed, which is no fault of my own. This is a common problem with them. I can not retrieve any of my precious data since Mohela transferred payment platforms. I can not get any information from them. My payments are constantly being rescheduled and changed. This is been the worst experience Ive ever had with a student loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX  XXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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:
The account that is in serious consideration is XXXX XXXX XXXX that was Last reported on XX/XX/year>, as closed. The account age of this account is 15 years and 6 months before it was closed. I am XXXX years old. How on earth, can I open a rental agreement with XXXX XXXX XXXX  and then close the account in XXXX of 2023? This means I must have opened the account when I was XXXX years old. This is not my account, and I did not know this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
The account that is in serious consideration is XXXX XXXX XXXX that was Last reported on XX/XX/year>, as closed. The account age of this account is 15 years and 6 months before it was closed. I am XXXX years old. How on earth, can I open a rental agreement with XXXX XXXX XXXX and then close the account in XXXX of 2023? This means I must have opened the account when I was XXXX years old. This is not my account, and I did not know this account.

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
XXXX. XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Important dates Inquiry dateXX/XX/XXXX Removal dateXXXX XXXX Additional details Business typeAuto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX VIA DEALER Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VAXXXX Phone number By mail only XXXX. XXXX XXXX VIA DEALER Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VAXXXX Phone number By mail only XXXX. XXXX XXXX XXXX  XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, XXXX Phone number By mail only XXXX. XXXX XXXX XXXX  XXXX Important dates Inquiry dateXX/XX/XXXX Removal dateXX/XX/XXXX Additional details Business typeAll Banks Contact info Address XXXX XXXX  XXXX XXXX XXXX # XXXX, VAXXXX Phone numberBy mail only XXXX. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only XXXX. 
XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, New Contact info Address XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX. 
Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, New Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only

Company response to consumer: Closed with explanation