vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-10-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: NJ

Complaint narrative:
I contacted my XXXX XXXX in regards to them not reporting my account information to Experian and I contacted Experian and let them know they werent making my XXXX  XXXX account info available, like XXXX XXXX and XXXX are. As a result my total credit line does not show my XXXX  XXXX account or my credit line on Experian. XXXX  XXXX, 30 days later said they are providing the information, but theyre not because Experian is not making the data available. So one of the two arent providing it and each one is pointing fingers at the other about the issue. Only 2 of my 3 cards are being reported with a total credit line of {$2500.00}. XXXX  XXXX is missing, another {$6500.00} in credit line which would be {$9000.00} total, not {$2500.00}.

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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I was just informed on the reason why I keep getting denied for anything that I apply for is because LEXIS NEXIS RISK SOLUTION has been reporting inaccurate and false information and does not mirror my XXXX, XXXX or XXXX credit report an all information that they have listed for me is all wrong from address, name, number and credit account and it also has that I have a judgement on my credit report when this is far from the truth for I do not have any liens nor judgements on my credit report the goes against the FAIR CREDIT REPORTING ACT and needs to be removed from my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
After reviewing my credit report, I have noticed hard inquires I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquires. Attached is an FTC report indicating all the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-10-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint to MyEquifax, which is the company and website that manages credit reports for the credit bureau called Equifax. Since XX/XX/XXXX, I have noticed that my MyEquifax profile was locked, even when putting in the correct username and password, even when using the " reset password '' feature on the website and putting in all the correct identifying information, when I do this it prompts me to call the customer service phone number for My Equifax, XXXX. 

I have called the number, it always takes one hour or 1.5 hours on the phone to verify my identity, which I do successfully every time. I have asked for my online access to be restored during every one of these phone calls, I have talked to them on the phone on 11 separate occasions during the months of : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX Every single time they tell me they have submitted my request to their IT department. And every single time I am still locked out of my account. 

I received an email from XXXX from Equifax Customer care on XXXX XXXX XXXX saying my online access has been restored. Unfortunately, this wasn't true, nothing was done about my online access by Equifax and I am still can not get into the online portal with my correct credentials.

This has causes me great harm and delays in monitoring my credit and obtaining credit products that use the Equifax bureau. It is absolutely inexcusable for any firm to take more than 11 MONTHS to resolve a simple matter such as restoring online access to their portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am reaching out about the account referenced above. I have noticed discrepancies in the information provided by each credit bureau regarding this account. Each bureau claims to have contacted Bank of America ( BOA ) to confirm the accuracy of this information, which is not true. I possess a letter that outlines the correct amounts and dates, which conflict with what is reported to creditors. How do you verify this information when the credit bureaus reach out to you? I received a letter on XX/XX/year>, indicating that you informed the credit bureaus that the account is reported accurately. However, how can the account be deemed accurate when the credit bureaus are reporting differing information? They have inconsistencies in dates, amounts, payment history, and status. Per the Fair Credit Reporting Act ( FCRA ) Section 611 ( 5 ) ( A ), credit bureaus are obligated to remove any information that is inaccurate, incomplete, or can not be verified from my credit report promptly. The process begins with BOA stating that the information is accurate, which it is not. This constitutes a violation.

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 2024-10-21 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: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with with my signature on it ) that you have on file for account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately. 

XXXX. XXXX XXXX XXXX XXXX. XXXX - XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: OH

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later and I have yet to receive a response. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2024-10-22 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: MD

Complaint narrative:
This is my second attempt at removing inaccurate information from my consumer report. Please remove the address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX as I do not recognize nor have I ever lived there. I am attaching a copy of the Federal Trade Commission Identity Theft Report for the second time as requested. My FTC Report # is XXXX. Thank You for removing this address promptly.

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 2024-10-21 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: FL

Complaint narrative:
I am writing to urgently notify you that I have been a victim of identity theft, which has resulted in numerous fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address this issue. 

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am now demanding the prompt removal of these fraudulent items to restore the accuracy and integrity of my credit report. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ( XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XXXXXX/XX/year> ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX  XX/XX/year> ) ( XXXX XXXX XXXXXX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXXXX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXXXX/XX/year> ) Specifically, I am requesting the removal of XXXX unauthorized accounts and XXXX unauthorized inquiries from my file. It is crucial that my credit report reflects only accurate and legitimate information. 

I trust you will handle this matter with the urgency it requires. Please confirm once the necessary corrections have been made.

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 2024-10-21 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: NC

Complaint narrative:
Dear TransUnion, I am writing to dispute the removal of my XXXX XXXX XXXX account ( Account Number : XXXX ) from my credit report. This is a valid account that should be accurately reflected in my consumer report, but it was removed on XX/XX/year>. 

Please take immediate action to reinstate this account and ensure it is properly reported. Let me know if further information is needed. 

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 explanation
Consumer complaint received 2024-10-21 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: NC

Complaint narrative:
Dear TransUnion, I am writing to dispute the removal of my XXXXXXXX XXXX XXXX account ( Account Number : XXXX ) from my credit report. This is a valid account that should be accurately reflected in my consumer report, but it was removed on XX/XX/2024. 

Please take immediate action to reinstate this account and ensure it is properly reported. Let me know if further information is needed. 

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 2024-10-21 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: GA

Complaint narrative:
After reviewing my credit report, I have noticed hard inquires I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquires. Attached is an FTC report indicating all the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
After reviewing my credit report, I have noticed hard inquires I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquires. Attached is an FTC report indicating all the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Eastern Account Systems of Connecticut , Inc. is a collections agency. XXXX is who the debt is supposedly with and who they are collecting for. They were contracted after the first collections agency ( XXXX XXXX XXXX  ) was dismissed for not being bonded in the State of Texas to collect. Eastern Account Systems of Connecticut , Inc. is also not bonded with the Secretary of State of Texas, which is required in order for them to perform collections in Texas. I notified them of this, along with contacting them in the allotted time they required to stop the collections process. Eastern Account Systems disregarded my communication and reported this collection to XXXX and XXXX without my permission to do this. 

I believe they are in violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, defamation of character, 15 USC 1692d ( 1 ), 15 USC 1692g ( b ), 15 USC 1681s2 ( a ) ( 3 ), 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1611, along with defamation of my character. 

After faxing and emailing the attached complaint, XXXX XXXX with Eastern Account Systems stated the following ( note inaccuracies below : Eastern is not bonded in the State of Texas, it was disputed within 60 days and they still reported to two credit bureaus, and no calls were placed or received ) : XXXX XXXX From : XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  Good afternoon, Eastern Account System takes great pride in our approach, the way we communicate and maintain compliancy. 

Eastern Account System is licensed to operate in the state of TX. 

XXXX placed an account in collections in XX/XX/XXXX with a {$100.00} balance owed for service that began XX/XX/XXXX provided through XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX. This account was also placed with another agency prior to Eastern Account System Eastern Account System sent a notice allowing time to dispute, pay or validate the debt prior to credit reporting. At no time were the notices returned undeliverable. Calls were also placed without a response. The account did not credit report until approximately 60 days later. 

Validation of the debt owed has been requested and will be mailed to you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
hard inquiries as followed are all FRAUD and i did bot approve any inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am writing to dispute the accuracy of information thats on my credit report. according to the fair credit reporting act ( FCRA ) section 605B its Illegal to report information on my credit report without my permission. please remove these items. XXXXXXXX XXXX XXXX XXXX XXXX  credit acceptance corp, 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 2024-10-21 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: CA

Complaint narrative:
When COVID forbearance ended, Mohela did not handle the transition well. I was on an administrative forbearance and Mohela took me out of it numerous times. I would have to call mohela to get them to put me back in to forbearance. I would get emails that I was no longer in forbearance and had a payment due soon. I was having this problem between XXXX XXXX XX/XX/XXXX. I dont have access to any previous forms they sent me since their platform changed. The only proof I have of this are generic emails sent from them either saying payment is due or that my forbearance is processing.

I got another email XX/XX/XXXX saying I had a payment due. I had to call again to make sure I was still in forbearance- they said one of my forbearances was ending so that is why I got the email. They were not able to explain exactly what they meant by that but did say my forbearance for my borrowers defense was still in place.

They are unable to handle our loans and are terrible at communication. Dealing with models as a servicer has been extremely frustrating. If I didnt pay attention to my emails, I could have had late payments when they randomly took me out of forbearance multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation