vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Request for Removal of Student Loan Accounts from Credit Report Dear Credit Reporting Agency, I am writing to formally request the removal of several student loan accounts from my credit reports maintained by your agency. This request is submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ).

Details of the Request : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c : Requires that outdated adverse information be removed from consumer credit reports.

15 U.S. Code 1681b ( c ) : Provides consumers with the right to dispute inaccurate or outdated information.

Public Law 91-506, Title VI, Section 611, Subsection A-D : Mandates credit reporting agencies to investigate and correct inaccurate or incomplete information in a timely manner.

Servicemembers Civil Relief Act ( SCRA ) : As an active-duty service member, I am entitled to protections under the SCRA that include the accurate reporting of my financial obligations and benefits.

Issue : The student loan accounts in question are adversely affecting my credit score and financial standing. These accounts are either inaccurately reported, outdated, or should be removed under the provisions of the FCRA and SCRA.

Action Requested : I request the immediate removal of the specified student loan accounts from my credit reports. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Correspondence : This request follows previous attempts to correct these inaccuracies directly with the credit reporting agencies, which have not been resolved satisfactorily. 

Thank you for your prompt attention to this matter. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and compliance with my rights under the FCRA and SCRA.

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 2024-07-13 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: NY

Complaint narrative:
Request for Removal of Student Loan Accounts from Credit Report Dear Credit Reporting Agency, I am writing to formally request the removal of several student loan accounts from my credit reports maintained by your agency. This request is submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ).

Details of the Request : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c : Requires that outdated adverse information be removed from consumer credit reports.

15 U.S. Code 1681b ( c ) : Provides consumers with the right to dispute inaccurate or outdated information.

Public Law 91-506, Title VI, Section 611, Subsection A-D : Mandates credit reporting agencies to investigate and correct inaccurate or incomplete information in a timely manner.

Servicemembers Civil Relief Act ( SCRA ) : As an active-duty service member, I am entitled to protections under the SCRA that include the accurate reporting of my financial obligations and benefits.

Issue : The student loan accounts in question are adversely affecting my credit score and financial standing. These accounts are either inaccurately reported, outdated, or should be removed under the provisions of the FCRA and SCRA.

Action Requested : I request the immediate removal of the specified student loan accounts from my credit reports. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Correspondence : This request follows previous attempts to correct these inaccuracies directly with the credit reporting agencies, which have not been resolved satisfactorily.

Thank you for your prompt attention to this matter. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and compliance with my rights under the FCRA and SCRA.

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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Thank you for your response, but after reviewing the information provided I noticed some inaccuracies in the documents you provided that go against rights as a consumer according to the CFPB. 

According to your Account Summary Report you mentioned the Date of Last payment was XX/XX/XXXX, when my credit report states the Date of Last Payment was XX/XX/XXXX. Also in your letter you mentioned the account was charged off on XXXX XXXX but according to my consumer report/credit report it shows the Last Active Date of XX/XX/XXXX and XX/XX/XXXX. 

Based on the multiple inaccuracies you provided, they are highly injurious to my credit report, credit score, and it violates my rights as a consumer. With this debt I did not have the opportunity to dispute. I did not receive proper notification. If in fact you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it. 

Based on legal consultation, The debt collector could face a fine from the government or a claim from the customer that the company violated the FCRA. The government recently fined one collection agency XXXX XXXXXXXXXXXX XXXX for systematic failures in determining accurate dates of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
DEAR, EQUIFAX I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: VA

Complaint narrative:
I have disputed XXXX XXXX XXXX, 5-6 times with both Bureaus, TransUnion, XXXX. I settled the Debt on XX/XX/year>, I've called/ uploaded a Goodwill deletion letter, explaining the reason I couldn't make the payments is because I lost my job During COVID-19 CRISIS, CFPB I fill that both of these bureaus are holding this account over my head so that I can't obtain a mortgage loan. That is very unprofessional I will continue to take all necessary actions until this account is removed from my 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 2024-07-13 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: VA

Complaint narrative:
I have disputed XXXX XXXX XXXX, 5-6 times with both Bureaus, XXXX, Equifax. I settled the Debt on XX/XX/year>, I've called/ uploaded a Goodwill deletion letter, explaining the reason I couldn't make the payments is because I lost my job During COVID-19 CRISIS, CFPB I fill that both of these bureaus are holding this account over my head so that I can't obtain a mortgage loan. That is very unprofessional I will continue to take all necessary actions until this account is removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
DEAR, EXPERIAN I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NV 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 2024-07-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
First nobody at this company speaks any English at all! Second they are rude & I have called over XXXX times and written over XXXX times to no avail. The company refuses to use my language and they refuse to provide me any information.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I transferred the balance of my Capital One Credit Card to my XXXX XXXX XXXX Credit Card last month ( XXXX ). This has lowered my credit score regarding percentage of available credit used. I want the correct balanced reflected on my Capital One Credit Card which is no longer {$1600.00} it's {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX  XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. CFPB-2022-0023 | RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I called to find out how I can go about it and get some time to pay the loan. The telephone didnt really know what she was doing. I kept calling no one answered. Then without validate they closed my loan.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Refinanced XXXX XXXX Auto Loan with XXXX XXXX XXXX. Now I have XXXX Auto loans listed on my credit report. So XXXX loan is reported New but the prior loan is yet to come off. This has made my credit score drop.

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 2024-07-13 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: IA

Complaint narrative:
Refinanced XXXX XXXX Auto Loan with XXXX XXXX XXXX. Now I have XXXX Auto loans listed on my credit report. So XXXX loan is reported New but the prior loan is yet to come off. This has made my credit score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: IA

Complaint narrative:
Refinanced XXXX XXXX Auto Loan with XXXX XXXX XXXX. Now I have XXXX Auto loans listed on my credit report. So XXXX loan is reported New but the prior loan is yet to come off. This has made my credit score drop.

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 2024-07-13 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: MA

Complaint narrative:
I been reviewing my credit file and notice XXXX XXXX is reporting incorrect information to such consumer agencies. The payment history and dates are incorrect. I was never late to this account. Congress gives us laws to protect us from unfair credit methods and for us to be treated fair that our information is 100 % accurate all times. In accordance with the FCRA, this creditor has violated many of my rights. Under 15 usc 1681b2, you can not furnish any report without my consent. I never gave them permission to access my file, I am entitled to privacy. You can not furnish information knowingly incorrect to my file, must be deleted, under 15 usc 1681s2. After I disputed several times and no changes were made. They still are reporting wrong information to my file even after put on notice several times. 15 usc 1681a2ai, consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted from file. Congress also states under 15 usc 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I did not receive a statement 21 days before the late payment error. If the finance charge is included, there should be no late payments pursuant 15 usc 1605a, due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. I requested to reinvestigate, and nothing changed. The payment history and delinquent date status still remain incorrect. Under 15 usc 1681i5ai, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete or modify to accurate. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. The my credit must maintain 100 % accuracy under 15 usc 1681eb Congress states.

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 2024-07-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: SC

Complaint narrative:
My student loans have been XXXX and forgiven. All XXXX XXXX loans have been XXXX and forgiven under lawsuit. I have the official documents showing this. Ive provided them to Mohela. The government and department of education have provided Mohela this same info. A month after all was XXXX and cleared Mohela obtained the closed account somehow and started trying to collect on it. Ive contacted them and they cant explain how they got the account, why they dont want to adhere to court orders or why they cant locate the multiple documents from the department of education XXXX federal government and myself sent to them. Ive filed with all 3 credit agencies and they all removed the XXXX loan. Yesterday Mohela reissued it. This has to stop. What theyre doing is illegal. They are already under a lawsuit for failing to comply with debt forgiveness. Please make this right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Contacted both original card holder and XXXX XXXX XXXX to inform it was a fraudulent account. 

Sent letters and informed credit bureaus that the account was fraudulent. 
Contacted XXXX XXXX XXXX and explained that the account was opened and payments were made from someone in Idaho. i have never been to Idaho.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I transferred the balance of my XXXX XXXX Credit Card to my XXXX XXXX XXXX Credit Card last month ( XXXX ). This has lowered my credit score regarding percentage of available credit used. I want the correct balanced reflected on my XXXX XXXX Credit Card which is no longer {$1600.00} it's {$0.00}

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 2024-07-13 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: IA

Complaint narrative:
I transferred the balance of my XXXX XXXX Credit Card to my XXXX XXXX XXXX Credit Card last month ( XXXX ). This has lowered my credit score regarding percentage of available credit used. I want the correct balanced reflected on my XXXX XXXX Credit Card which is no longer {$1600.00} it's {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: IA

Complaint narrative:
I transferred the balance of my XXXX XXXX Credit Card to my XXXX XXXX XXXX Credit Card last month ( XXXX ). This has lowered my credit score regarding percentage of available credit used. I want the correct balanced reflected on my XXXX XXXX Credit Card which is no longer {$1600.00} it's {$0.00}

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed a XXXX XXXX XXXX on my credit report. I do not have knowledge of this. I contacted the U.S. Bankruptcy Court, they investigated my concerns and concluded that the item does not belong to me.

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