vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I am writing to you as the holder of credit card account number XXXX  Account # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX Account # : XXXX XXXX. Late Payments in Payment History XX/XX/XXXX : o XXXX : OK ( on-time ) o Experian : 60 Days Late o XXXX : XXXX ( on-time ) XX/XX/XXXX : o XXXX : OK ( on-time ) o Experian : 30 Days Late o XXXX : OK ( on-time ) Experian reports incorrect late payments for XX/XX/XXXX ( 60 Days Late ) and XX/XX/XXXX ( 30 Days Late ), while XXXX and XXXX show " OK '' ( on-time ) . This inconsistency indicates possible errors in Experian 's reporting. 
2. High Credit Discrepancy High Credit : o XXXX : {$1200.00} o Experian : {$1200.00} o XXXX : {$0.00} XXXX incorrectly reports the High Credit as {$0.00}, which contradicts the other two bureaus.

3. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier " Last Reported Date '' compared to XXXX and Experian, indicating that XXXX 's information XXXX not be up-to-date. 
XXXX. Date Last Active Discrepancy Date Last Active : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX Experian reports an earlier Date Last Active ( XX/XX/XXXX ), while XXXX and XXXX show dates in XXXX. 

I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for 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 2025-01-08 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: NC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/scrub>XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
I sent a letter on XX/XX/year>, stating that the reporting agency was reporting incorrect information on my credit report and need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-01-08 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I received a warning that I had a new non-medical debt collector on my XXXX and maybe XXXX ( not XXXX yet ). This hit my credit bureau on XX/XX/XXXX. The debt collector was : Sequium Assets Solutions- they are working on behalf of XXXX XXXX XXXX 

Apparently on XX/XX/XXXX someone purchased a XXXX XXXX XXXX phone costing {$1000.00} which they charged and added a line of service for phone number of ( XXXX ) XXXX, said phone number has subsequently been disconnected. They used my identity to charge this phone and set the phone line up. They used a fact email address of : XXXX ( obviously not my email address ). Sequium Assets is now trying to collect {$1400.00} from me. They did not have any of my accurate information. This was not a transaction that I had anything to do with. I do not use XXXX XXXX XXXX as my mobil provider. I have been with XXXX  for many many years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/year> - {$280.00} - Service company was to spray my house to get rid of bees and to remove bee hive. The person from the service company did not remove the bee hive. He told me there could be more live bees around, XX/XX/year> - {$69.00} - A person from the service company came to my house to make sure there were no bees. The person could not remove the bee hive because he told me the ladder he had was not long enough to reach the bee hive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-08 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:
My student loan service provider is Mohela. I used Mohela 's website to submit payments for two student loans. The payments of {$26000.00} were withdrawn from my bank account on XX/XX/year>. On XX/XX/XXXX I accessed my Mohela account and noticed that the payment was not shown on my account and the loan balance remained the same. I sent a message to customer service via the Mohela website. Two days later a Mohela customer rep acknwledged receipt of the payment but did not provide an answer why the balance of my loan had not been updated. 

On XX/XX/XXXX XXXX I recieved my quarterly loan statement which still showed the incorrect balance and no record of my payment sent on XX/XX/XXXX. I wrote again to customer service again and two days later recieved a reply that did not address my question. I've tried to call to speak with a live agent however the wait time is over two hours long each time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

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 2025-01-08 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: FL

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I did not benefit from. I was a victim of the XXXX XXXXXXXX data breach, and have had someone hack my bank account information as well. I also have a collections account from a fraudulent car lot/loan company, who sold me a bad vehicle that I gave to a friend, who did not properly sign paperwork or assume payments, leaving a bad debt in my name. I need this fraudulent account removed from my name immediately, or I will sue for civil action against the person and the 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 2025-01-08 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 have been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I did not benefit from. I was a victim of the XXXX XXXXXXXX data breach, and have had someone hack my bank account information as well. I also have a collections account from a fraudulent car lot/loan company, who sold me a bad vehicle that I gave to a friend, who did not properly sign paperwork or assume payments, leaving a bad debt in my name. I need this fraudulent account removed from my name immediately, or I will sue for civil action against the person and the 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 explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account # XXXX. 

Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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