vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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 filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
Unauthorized, unverifiable collections on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken.

I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
Unauthorized, unverifiable collections on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-30 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: NJ

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I was attending XXXX and the company ended up going out of business. I have student loans with XXXX XXXX XXXX due to misleading borrows about income driven repayments plans botching payment processing, harming my credit deceiving me about requirements for a cosigner release and misleading me about the consequences about my credit score. I have been trying to get my loans discharged due to the schools negligence and have seen little to no progress. I'm not sure if i was a part of the lawsuit that's against them in the XXXX v XXXX XXXX case but i haven't received compensation or discharge of the loans from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have not been supplied proof under the Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I owe no debt and this company is violating my consumer right to privacy pursuant to the Privacy Act of 1974 and 15 U.S.C 1681. Plus Finance has no permission to report unfair and inequitable information per Fair Credit Reporting Act.

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 2024-09-30 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX : XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open TransUnion : XXXX. XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open

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 2024-09-30 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX : XXXX XXXX Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX XXXX Date XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date Of Inquiry XXXX XX/XX/XXXX XXXX XXXXXXXX Date Of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Of Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Equifax : XXXX. XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open XXXX : XXXX. XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-09-30 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After a detailed examination of my latest credit report, I identified several accounts that appear to be incorrect and were included without my knowledge.

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 2024-09-30 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: OH

Complaint narrative:
XXXX : Complaint Regarding Charged-Off Accounts** Dear CFPB, I am writing to express my frustration and sadness regarding the handling of two charged-off accounts on my credit report : XXXX XXXX account and XXXXXXXX XXXX These accounts have been reported beyond the allowed time, which is a violation of **Section 605 ( 15 U.S.C. 1681c ) **.

I am also concerned that they are violating **Section 611 ( 15 U.S.C. 1681i ) ** and **Section 623 ( 15 U.S.C. 1681s-2** ). I have been disputing these same two items for the last 18 months, and despite my efforts, no updates or corrections have been made. This situation has left me feeling powerless and deeply affected my financial well-being. 

I kindly request that you review this matter in detail and help facilitate the immediate deletion of these inaccurate accounts. It is disheartening to continue facing these challenges, and I hope for a resolution soon. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
Hello, this complaint is valid and not sent in error so please take it seriously. My credit report includes false and inaccurate information, leading to undue stress and has been negatively affecting me which is is deeply frustrating. Despite my repeated requests for deletions, these issues remain unaddressed, unfairly impacting my credit score and having my new credit applications getting denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NY

Complaint narrative:
In early XXXX, I discovered a derogatory mark on my credit report for an account with XXXX XXXX XXXX in the amount of {$800.00}. This account was tied to a utility bill for an address where I have never lived. Since then, I have made multiple attempts to resolve the issue, but it has been an incredibly frustrating and exhausting process. From XXXX to XXXX, I contacted both XXXX and Experian numerous times, requesting validation and proof of this account. Despite sending several letters and asking for the verification method used, they have continued to report the account as verified and accurate. Each time I requested a reinvestigation, but I never received any meaningful response or clear proof regarding how they verified the account. Over the years, I have reviewed various credit reports, and Ive noticed inconsistencies in the reporting dates and the date of last activity for this account. This issue has significantly impacted my ability to obtain a mortgage, and despite my best efforts, I feel like Ive hit a dead end. I genuinely dont know what else to do. I am seeking help because this has become overwhelming, and I feel hopeless. Ive attached some of the documents Ive sent over the years, and I have more records, including tracking numbers, that I can provide upon request. 

Please help me resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  XXXX  Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX  for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the COVID-19 pandemic. 
During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to COVID-19, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX  continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies. 
I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.

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 2024-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I attended XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX to XXXX. The federal government determined that the school acted fraudulently and cleared all of my federal loans recently. I requested that AES review my private loans with them for similar action, submitting my request on XX/XX/XXXX via their file upload service, which they reference as an option on the form they sent me. It's been over 30 days and I have not received any correspondence, not even an acknowledgement that they've received my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from Synochrony Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This letter was a STATEMENT OF CREDIT DENIAL, TERMINATION, OR CHANGE, dated XX/XX/year>, with a request for financing for services and/or products. I had my information stolen about three months ago, and I never applied for a credit card with this bank/company. I have no idea where and what this company is about and have never applied for credit services with them.

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After a detailed examination of my recent credit report, I found multiple accounts that appear to be inaccurate and were included without my knowledge.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation