vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
Despite this account being closed, it is still appearing on my credit report and is negatively impacting my credit score. As a responsible consumer, I regularly monitor my credit report and strive to maintain a positive credit history. The presence of this closed account does not accurately reflect my current financial standing. I kindly request that you investigate this matter and remove the closed account from my credit report at your earliest convenience. According to the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be included in a consumers credit report. Since this account is closed and has been properly settled, its continued presence is misleading. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-10-27 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: MA

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: LA

Complaint narrative:
Information reporting to Equifax is reporting as 30days late, but it is listed a current on XXXX and XXXX. In accordance with 15USC1681e ( B ) and 15USC1666B ( A ) this information should be removed and or corrected on my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: TN

Complaint narrative:
these credite burues are reporting inaccuarate information which is causing me great distress, making it difficult for me to secure an auto loan. It is incredibly frustrating to see multiple questionable accounts listed, and this situation is unacceptable. 

I understand my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S. Code 1681e ( b ) mandates that consumer reporting agencies take reasonable steps to ensure maximum possible accuracy in credit reporting. They have not done this. The presence of incorrect information on my report indicates a serious failure to meet these standards. : XXXX - XXXX : ** This account shows an inaccurate late payment status. I have never been late on this account ; it was paid in full and on time. This negative reporting should not impact my credit score. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a inaccurate late payment. I was never late on this account. This account was paid as agreed on time and in full- this is inaccurate i can not be paying on time for 30 days and then jump and be 90 days late. this shuld nt be reporting negative I have attached evidence supporting my claim.

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 2024-10-27 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 2024-10-27 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 2024-10-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to demand the immediate removal of unauthorized hard and soft inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( **FCRA** ), specifically **15 U.S.C. 1681**, and under the authority of the **Consumer Financial Protection Bureau ( CFPB ) **, I have the right to accurate reporting of my credit history. After reviewing my credit report, I have identified multiple inquiries that were made without my authorization or permissible purpose. These inquiries are as follows : Please note that I **authorized inquiries** from **XXXX  XXXX**, **XXXX XXXX**, and **XXXX XXXX**. All other inquiries on my credit report are unauthorized and must be removed immediately. 

Legal Basis for Removal : 1. **15 U.S.C. 1681b ( f ) ** : Credit reports may only be accessed by parties with a permissible purpose. If an inquiry was made without my explicit consent or a transaction initiated by me, the inquiry is unlawful and should be removed. 

2. **15 U.S.C. 1681c ( a ) ( 2 ) ** : Credit bureaus must ensure the accuracy and completeness of consumer reports. Any unauthorized or erroneous inquiries must be removed to maintain the integrity of the report. 

3. **15 U.S.C. 1681i ( a ) ( 1 ) ** : I have the legal right to dispute any inaccurate or incomplete information on my credit report. Upon receipt of this dispute, the credit bureau is required to investigate the matter within 30 days and correct or remove any inaccuracies. 

4. **15 U.S.C. 1681s-2** : Furnishers of information, such as creditors or companies making the inquiries, are legally required to provide accurate information. Any inquiry made without my explicit consent violates this statute and must be corrected or removed. 

Action Requested : - **Immediate removal** of all unauthorized inquiries from my credit report. 
- Written confirmation that these inquiries have been deleted. 
- Assurance that no further inquiries will be added to my credit report without my explicit consent. 

Failure to remove these inquiries in a timely manner could result in the need for further action, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and pursuing legal remedies for willful non-compliance under the **Fair Credit Reporting Act**. 

Please consider this a formal dispute of the unauthorized inquiries. I expect a response and resolution to this matter within the legally mandated 30-day period, as required by **15 U.S.C. 1681i**. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to demand the immediate removal of unauthorized hard and soft inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( **FCRA** ), specifically **15 U.S.C. 1681**, and under the authority of the **Consumer Financial Protection Bureau ( CFPB ) **, I have the right to accurate reporting of my credit history. After reviewing my credit report, I have identified multiple inquiries that were made without my authorization or permissible purpose. These inquiries are as follows : Please note that I **authorized inquiries** from **XXXX Auto**, **XXXX XXXX**, and **XXXX XXXX**. All other inquiries on my credit report are unauthorized and must be removed immediately. 

Legal Basis for Removal : 1. **15 U.S.C. 1681b ( f ) ** : Credit reports may only be accessed by parties with a permissible purpose. If an inquiry was made without my explicit consent or a transaction initiated by me, the inquiry is unlawful and should be removed. 

2. **15 U.S.C. 1681c ( a ) ( 2 ) ** : Credit bureaus must ensure the accuracy and completeness of consumer reports. Any unauthorized or erroneous inquiries must be removed to maintain the integrity of the report. 

3. **15 U.S.C. 1681i ( a ) ( 1 ) ** : I have the legal right to dispute any inaccurate or incomplete information on my credit report. Upon receipt of this dispute, the credit bureau is required to investigate the matter within 30 days and correct or remove any inaccuracies. 

4. **15 U.S.C. 1681s-2** : Furnishers of information, such as creditors or companies making the inquiries, are legally required to provide accurate information. Any inquiry made without my explicit consent violates this statute and must be corrected or removed. 

Action Requested : - **Immediate removal** of all unauthorized inquiries from my credit report. 
- Written confirmation that these inquiries have been deleted. 
- Assurance that no further inquiries will be added to my credit report without my explicit consent. 

Failure to remove these inquiries in a timely manner could result in the need for further action, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and pursuing legal remedies for willful non-compliance under the **Fair Credit Reporting Act**. 

Please consider this a formal dispute of the unauthorized inquiries. I expect a response and resolution to this matter within the legally mandated 30-day period, as required by **15 U.S.C. 1681i**. 

Thank you for your prompt 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 explanation
Consumer complaint received 2024-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Violation of 15 USC 1681b Violation 15 USC 1681C-2 Capital One XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: NC

Complaint narrative:
I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. I have contacted XXXXXXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.

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 2024-10-27 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: NC

Complaint narrative:
I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. I have contacted XXXXXXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
In XX/XX/XXXX, I applied for the Saving on a Valuable Education ( XXXX ) Plan through the Federal Student Aid ( FSA ) website, expecting that my enrollment would prevent further interest from accruing on my federal student loans. Despite submitting my application, my loan servicer, MOHELA, left my application in " processing '' status for an extended period, providing no explanation for the delay. Upon contacting them, they explained that it would take at most 90 days for the application to process. 

When XXXX Plan applications reopened in early XXXX, I reapplied through the XXXX website, which forwarded my application to MOHELA once again ( XX/XX/XXXX ). Yet, MOHELA continued to leave my application in processing status, with no action taken to finalize it. Only to close it very recently without word back or any kind of resolution. 

Due to this delay, I have accrued approximately {$1600.00} in interestan amount that should not have accumulated had my original application been processed timely. This has resulted in unnecessary financial harm, and I believe MOHELAs extended delays and lack of communication may reflect improper handling of my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: LA

Complaint narrative:
This account is reporting inaccurate to Equifax. The information is inaccurate in comparison to XXXX and XXXX. In accordance with 15USC1681e ( B ) and 15USC1666B ( A ) this information should be removed and or corrected on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have a Goldman Sachs Credit Card in MY NAME ONLY : My fianc and I are in an " XXXX XXXX plan '' I have been on the hook for what my fianc has been spending on XXXX even though I have NO COSIGNERS or authorized spenders on my apple card, she even uses face id to authorize purchases on her end ( XXXX {$5000.00} ) In my statements my purchases are clearly defined, probably nothing over XXXX $ My credit should not be impacted by a purchase made by any entity other than myself, my credit score was XXXX before, now it is sitting around XXXX .... 

I believe what Goldman Sachs and Apple did to my credit was highly unethical and I am considering litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
My name is XXXX XXXX, I orginally co-sign a loan for my son XXXX XXXX with XXXX loans about 10 years ago. Around XXXX, XXXX XXXX sold to AidAdvantage loan services company. My son has paid on this loan for around XXXX  years or so. His payments have been on time, and he has a good credit rating and a good job. I felt it was time to remove my name from the loan and I sent a co-signor release form request to AidAdvantage. They sent back a 2 sentence reply, that I could NOT have my name removed as I was the principal holder of the loan, not my son. I am almost 100 % positive that is incorrect. Some how in the process of the loan moving from XXXX to AidAdvantage, my name became the holder of the loan instead of the co-signor only. What assistance can you help me with?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: 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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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 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