vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> Dear Sir/Madam, I am writing to dispute an error on my credit report. According to the report from [ XXXX/Equifax/XXXX  ] XXXX there is a 30-day late payment listed on my account with XXXX XXXX XXXX XXXX. However, I would like to bring to your attention that this information is inaccurate. 

On XX/XX/year> I made a payment to my XXXX XXXX XXXX account # XXXX, and I have documentation to support this payment. I have attached a copy of the letter from XXXX XXXX XXXX XXXX confirming the error and stating that they have removed the 30-day late payment from my account. Accordingly, due to consumer 1681i. Procedure in case of disputed accuracy 1681e - Compliance procedures 1692g ( b ) Disputed debts - Validation of debts Instruction : Please remove inaccurate late payment. Account as paid on time.

I request that you investigate this matter and correct the inaccurate information on my credit report as soon as possible. Please provide me with written confirmation once the investigation is complete and the error has been rectified.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute an error on my credit report. According to the report from [ XXXXExperian ] XXXX there is a 30-day late payment listed on my account with XXXX XXXX XXXX XXXX. However, I would like to bring to your attention that this information is inaccurate. 

On XX/XX/2024 I made a payment to my XXXX XXXX XXXX account # XXXX, and I have documentation to support this payment. I have attached a copy of the letter from XXXX XXXX XXXX XXXX confirming the error and stating that they have removed the 30-day late payment from my account. Accordingly, due to consumer 1681i. Procedure in case of disputed accuracy 1681e - Compliance procedures 1692g ( b ) Disputed debts - Validation of debts Instruction : Please remove inaccurate late payment. Account as paid on time.

I request that you investigate this matter and correct the inaccurate information on my credit report as soon as possible. Please provide me with written confirmation once the investigation is complete and the error has been rectified.

Thank you for your prompt attention to this matter. 

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 2024-04-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G St NW, Washington , DC 20552, Subject : Dispute Regarding Inaccurate Reporting of Account with XXXX XXXX ( Account Number : XXXX ) and Lack of Response from Experian Dear CFPB, I am writing to formally dispute the accuracy of the information reported regarding an account with XXXX XXXX, as listed on my credit report. The account details are as follows : Account Number : XXXX Account Status : Closed Balance Reported : {$370.00} Past Due Amount : {$370.00} ( as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Consumer Statement : ITEM IN DISPUTE BY statement CONSUMER I would like to clarify that I have no record or knowledge of this account and believe it to be reported inaccurately. The reported information, including the account status, balance, and past due amount, does not correspond to any financial dealings or obligations I have with XXXX XXXX XXXX 

Additionally, I wish to inform you that I previously sent a dispute notice to Experian regarding this account, requesting validation of the debt and accuracy of the reported information. However, Experian has not responded with a dispute result within the mandated 30-day period. 

I request that the Consumer Financial Protection Bureau not only conduct a thorough investigation into the accuracy and validity of this reported account information with XXXX XXXX but also address the lack of response from Experian regarding my dispute. 

Specifically, I request the following actions : 1. Verify the existence and legitimacy of the account with XXXX XXXX, including confirmation of the account holder 's identity. 
2. Review the reported account status, balance, and past due amount for accuracy and provide detailed documentation supporting these figures. 
XXXX. Investigate any potential violations of the Fair Credit Reporting Act ( FCRA ) related to the lack of response from Experian and ensure compliance with dispute resolution timelines. 
4. XX/XX/XXXX & XX/XX/XXXX dont have Payment History data being reported as mandated by the FCRA all information must be COMPLETE!!! 
XXXX. What is the complete account #? 

I request that you provide me with updates on the progress of your investigation and any findings or resolutions within a reasonable timeframe. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough and fair investigation to resolve this dispute and address the lack of response from Experian. 

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 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I had my loans with XXXX previously however, after applying for PSLF, my loans were transferred to Mohela. I have called countless times and been placed on hold for hours at a time. When I finally reach someone, I am provided a new number to call for the correct department and again wait on hold for hours. My loan amounts continue to climb despite making monthly payments. Not to mention, my entire payment amount is going directly to the interest and none towards principle. I have also been trying to understand why I worked in XXXX for a non profit organization while making payments for 10 years and my payments are not being counted towards the PSLF nor have any of my loans been forgiven. If you are able to provide any insight, I would greatly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-23 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: TX

Complaint narrative:
According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation. 

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft. 

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: TX

Complaint narrative:
We have been a card holder with discover nearly 30 years and have not had any issues prior to the past XXXX months. On XX/XX/XXXX a payment posted to the account for the amount of {$1.00}. A few days later a reverse transaction showed up for {$950.00}. We noticed it on the next statement and asked what it was for. They told us we reversed a payment to our XXXX bank account. We have never had a XXXX account and disputed this transaction. After a 2 hour phone conversation they finally agreed to give us credit on XX/XX/XXXX. The charge appeared again on XX/XX/XXXX and after another call the amount was refunded again on XX/XX/XXXX. We began watching the account closely and this process repeated again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and at that time we request the account be credited and a written statement be sent to us confirming this action. We did receive the notice but the verbiage was not conclusive indicating additional charges could post to the account. The charge did repost multiple times after this requiring us to call again and again to get it credited. To this day the activity still continues and is posting to the account and on the statement of the closed account. We have since stopped the automatic payments of the balance but fear our credit could be impaired if we fail to continue checking it and calling for a reversal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In accordance with the fair credit reporting act the following accounts, has violated my rights. 

XXXX XXXX XX/XX/2023 XXXX Bank XX/XX/2023 XXXX XXXX authorized this inquiries. 

15 U.S.C. 1681 Section 602 A.States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

Additional I don't want received promotional offer of any financial department. 
Please delected this promotional inquiries please.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio
State: CA

Complaint narrative:
On XXXX Vance & Huffman LLC put a collection on my XXXXXXXX XXXX XXXX  for {$5900.00} with a date opened of XX/XX/XXXX. This is incorrect, as the debt they are representing was acquired over XXXX  years ago and was XXXX on XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under my maiden name of XXXX XXXX XXXX The debt was acquired under my maiden name of XXXX XXXX. My name changed on XX/XX/XXXX to XXXX XXXX upon my marriage, proving that this debt was obtained over XXXX years ago. 

I filed a dispute with XXXX and they concluded that the information from Vance & Huffman was correct, when it is not and they illegally placed this on my credit. I also spoke with XXXX at Vance & Huffman at ( XXXX ) XXXX on XX/XX/XXXX to let them know that the debit is too old to collect and was included in a XXXX XXXX. 

This is my last effort before contacting my XXXX  attorney to file a complaint agains XXXX and Vance and Huffman to compel the removal and for damages, so any support to get this removed is appreciated. 

Vance & Huffman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation.

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
I have spoke with this company and have tried to settle and the refused and also asked them to stop contacting me with phone calls and letters. They continue to do so. 
I have received a letter last week about a settlement offer. 
They have continued to call me after I have asked them not to. 

I also called and wanted to just pay XXXX dollars towards it as that was what I had at the time and they forced me to get into a payment plan even after I said I didn't want to be in one and just wanted to pay as I could. 

They continue to threaten suing even after this as well. 
This is also not the original owner of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The credit bureaus have stated that my account has been properly investigated.

How is that possible when the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate also.

This is grounds for removal, also they violated my rights under the Title 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. states that a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus took more than 30 days to complete my investigation.

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 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On Tuesday XX/XX/2024 at XXXX I received a call from a debt collector stating I owed money on my energy bill. I explained that I did not have any energy bills under my name since I have never had an energy bill or utilities bill. I've worked at a XXXX XXXX for the last decade where all my jobs required me to live-on campus. The XXXX XXXX were free due to the job needs, they also were in XXXX XXXX XXXX XXXX. This energy bill is with XXXX XXXX located in XXXX. The address for the location that my name was fraudulently used is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
Ive contacted these companies multiple times trying to dispute these accounts. Im a victim of identity theft so these accounts are not mines. 

Accounts : XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX THESE ACCOUNTS THAT WAS FRAUDULENTLY OPENED IS CAUSING ME TO NOT RECEIVE HOUSING FOR MY DAUGHTER & I. IM A SINGLE PARENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
On XX/XX/2024 I wrote a dispute letter to Equifax Information Services, XXXX citing errors on my credit report and consumer law requesting that they investigate and ultimately delete the items from my credit report. I got a response letter dated XX/XX/2024 from Equifax Information Services, XXXX stating my letter was received but more information was needed before anything could be done. I was asked to verify my identity by submitting XXXX item each from XXXX categories and examples were provided from each category of what they would accept and I provided it ( a copy of my social security card and drivers license ) along with a hand-written letter and a copy of the response letter I got from them. I sent these items via XXXX certified mail. I got another letter dated XX/XX/2024 from Equifax Information Services, XXXX with the exact wording requesting the same information from me. I am doing what is within my rights per the federal government I submit what was asked of me and Equifax Information Services, XXXX is playing games, that's not right. I will attach a XXXX receipt of the letter and the certified mail receipt from XX/XX/2024 and XX/XX/2024 along with a copy of my letter from XX/XX/2024 their primary response letter and the duplicate secondary letter dated XX/XX/2024. It's not professional for Equifax Information Services, XXXX is doing the run-around regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I paid {$350.00} for 21 years. This was the entirety of the loan plus 10 % interest. Yet the loan servicer says I still owe {$29000.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief