vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft, and I am writing to request the removal of inaccurate information related to my XXXX Credit Card account, issued by XXXX XXXX, which appears on my credit report. The information listed below does not relate to any transaction ( s ) that I have made. It is the result of identity theft and the improper handling of disputes by XXXX XXXX. 
Additionally, multiple unauthorized and fraudulent charges were permitted on my account despite my disputes and my documented history of identity theft. Due to these ongoing issues, XXXX XXXX erroneously closed my account, which I believe was done without just cause and has negatively impacted my credit score. 

The account closure has also led to the reversal of valid charges for services I use, such as XXXX subscriptions, and has caused significant disruption to my ongoing financial obligations.

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 2024-12-06 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: PA

Complaint narrative:
This morning, I found inaccurate accounts on my credit report, and I can't understand how they got there. I regularly review my credit report, and everything was fine before, but now there are errors that seem to have appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but the mistakes stayed. I'm begging for a thorough review of the documents Ive submitted so I can stop living with this constant worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
I dont know whats going on, but when I checked my credit report this morning, I saw inaccurate accounts listed there. Im shocked because I check my credit report regularly, and Ive never seen these discrepancies before. I even tried refreshing the browser to see if it was a technical issue, but nothing changed. Please, Im desperate for someone to carefully examine the documents Ive submitted so I can stop feeling this helpless.

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 2024-12-06 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: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

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 2024-12-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: OR

Complaint narrative:
I'm on the SAVE plan with $ XXXX/month payments and my loans are in forebearance. I should not be accruing interest on these loans, but my Mohela account incorrectly shows almost {$500.00} of interest has accrued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-06 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
VIOLATIONS OF MY CONSUMER RIGHTS!!! 

28 USC 3002-10 ( Person ) 18 USC Section 241 15 USC 1650

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 2024-12-06 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: MD

Complaint narrative:
To whom it XXXX concern : Ive attached my passport and proof of address TransUnion has failed to conduct a thorough investigation into the accuracy regarding the XXXX Account. 


I had to placed an extended fraud alert on my file recently. Attached are recent photos of the attacks. Massive inquiries. 


XX/XX/XXXX I submitted a dispute regarding the accuracy of the account. During that period, I informed TransUnion that the account status, balance and other information was incorrect. 

TransUnion responded with the information being verified. 

Yet, XXXX was allowed to recently further damage my credit report, after they settled the account back on XX/XX/XXXX. 

In order to get this fraudulent account settled, a payment of approximately {$1200.00} was made in XX/XX/XXXX to settle and remove the XXXX old account. Yet it never happened. I filed the dispute with TransUnion, and they verified the information as correct and valid. 

see attached letter Attached is a letter from XXXX confirming that they reported information incorrectly by not updating file correctly. 

I quote : Our records show we were contacted by you on XX/XX/XXXX, by telephone requesting to settle the account for less than the amount owed. We agreed to settle the account for a onetime payment of {$1200.00}. We received the settlement payment the same day as the call. 
Typically, the settlement is processed after we receive the settlement payment. We apologize for the delay, in finalizing the settlement agreement. The enclosed payment history shows we waived the remaining account balance on XX/XX/XXXX, finalizing the settlement, closing the account. 

A whole year TransUnion reported false inaccurate information. See attached Please delete this account See attached XXXX, And XXXX have deleted this fraudulent 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 2024-12-06 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Account shows XXXX late payments that states I was XXXX late on making payments on XX/XX/XXXX and XX/XX/XXXX this is not true by law I am promised accuracy in my credit report pursuant XXXX XXXX XXXX concerning my dispute with Indigo regarding the inaccurate late payment reporting on my credit report. I believe that the information reported by XXXX is incorrect, and I am seeking further investigation and correction based on the following facts : XXXX. Proof of Payment : I provided statements showing that I paid the bill in question, and I made an additional payment in XX/XX/XXXX. Specifically, on XX/XX/XXXX, I made a payment that was less than 30 days late. Under federal law, creditors may only report late payments if they are 30 days past due. XXXX improperly reported this payment, which was not yet 30 days late, as delinquent. 


XXXX. Failure to Provide Required Statements : XXXX has claimed that I had knowledge of a payment due in XX/XX/XXXX. However, I never received the required statement. Under the Credit Card XXXX XXXX and Disclosure ( CARD ) Act, creditors are required to provide billing statements at least 21 days before the payment due date. In this case, I did not receive such a statement, as it was sent to an address where I was no longer residing due to an eviction ( see Exhibit XXXX ). As a result, I was not properly notified of the payment due, which is a clear violation of my rights under the XXXX XXXX. 


XXXX. CARES Act Violation : All of the falsely reported late payments occurred during the XXXX national pandemic. Under the CARES Act, specifically XXXX XXXX XXXX ( a ) ( XXXX ) ( F ), if a consumer brings a credit obligation or account current during the period described, the creditor must report the account as current. XXXX failed to follow this legal requirement and continued to report these payments as late, even after I brought my account up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my Experian credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/2021. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like Credit Acceptance are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( XXXX ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Experian report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness. 

I've attached XXXX proofs of address, my social security card, my ID, a letter disputing the incorrect information, and a snippet of my XXXX credit report pertaining to the XXXX XXXX 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my Experian credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/year>. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like Credit Acceptance are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( XXXX ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Experian report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness. 

I've attached XXXX proofs of address, my social security card, my ID, a letter disputing the incorrect information, and a snippet of my XXXX credit report pertaining to the XXXX XXXX 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 explanation
Consumer complaint received 2024-12-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX  XXXX XXXX BALANCED {$970.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX BALANCED {$1700.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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