vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-07-08 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-07-08 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: NY

Complaint narrative:
the information related to late payment dates and payment history are not accurate on several of the credit reporting bureaus. XXXX is showing on time payment for XXXX and XX/XX/year> while Equifax is showing missed payments for those months. All my payments were made on time. As a result, I am demanding for my account to show/ be updated to " Pay On time ''. 

According to the Fair Credit Reporting Act, all information should be accurate and factual. 

My right was violated due to their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-07-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
Hi, I have called Upstart at least 6 times today to get a hold of them to workout a payment plan to get my loan back on track. They refuse to answer the phone whenever I give them a call. I wanted for months to work this out but no one wants to work with me or respond to me when I call or email them. I am waiting for a response. I hate having to go this far and get consumerfinance involved but I feel I must in order to get results in a timely manner. All i want to do is settle the remaining balance or make an affordable monthly payment plan to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: CO

Complaint narrative:
As to date, AESXXXX has currently defaulted my loan and placed a charge-off on my credit report, which continues to damage my credit causing undue harm while I'm unemployed, instead of granting any forbearance while addressing these issues, they are currently damaging my credit on purpose. 

My XXXX loan was specifically acquired to attend XXXX XXXX XXXX on XX/XX/year>. I can no longer make payments on it due to unforeseen nation wide industry unemployment. In this case I have asked and requested servicer American Education Services / National Collegiate Trust many times for some sort of help in the form of forbearance or temporary pause but have not received any help whatsoever. Most recently, from the borrowers defense approval, my federal loans have been completely discharged and credit repaired due to crimes committed my XXXX and XXXX XXXX XXXXXXXX, found guilty in many cases and subsequently closed down. I also submitted a school misconduct discharge application for my XXXX XXXX loans and those to have also been discharge and credit repaired. I expect a path to discharge to be set for this XXXX loan as well. 

In this case of all the legal precedence against XXXX  XXXX XXXX, the federal XXXX XXXX approval, my XXXX XXXX loan discharge along with the provided FTC holder rule, this loan acquired for these found criminal institutions ( including private ) are ill gotten due to seller misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: IN

Complaint narrative:
According to the FERPA sharing information without consent is a violation to that law. Student loans are reporting to my credit report a is having a negative impact on it

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 2024-07-08 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: IN

Complaint narrative:
According to the FERPA sharing information without consent is a violation to that law. Student loans are reporting to my credit report a is having a negative impact on it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
According to the FERPA sharing information without consent is a violation to that law. Student loans are reporting to my credit report a is having a negative impact on it

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 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have requested investigation that my credit report is inaccurate. Investigation came back as un-verified XXXX XXXX account and its NOT on my report, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately!

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 2024-07-08 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: FL

Complaint narrative:
I recently examined my credit report and discovered accounts that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently examined my credit report and discovered accounts that I do not recognize

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 2024-07-08 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified discrepancies that are not in accordance with the Fair Credit Reporting Act the information related to late payment dates and payment history are not accurate on several of the credit reporting bureaus Experian is showing on time payment for XXXX and XX/XX/2019, but XXXX is showing missed payments for those months. All payments were made on time. 

i had submitted letters to the physical address and online complaint to Experian, XXXX and XXXX on website. 


which is violation of my consumer right

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 2024-07-08 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-07-08 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: PA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts reported to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: CA

Complaint narrative:
Loan is in SAVE program and company demands 10 % discretionary income amount. Current law says 5 %. Did not put loan in administrative forbearance, will not provide correct new total bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened A Business credit card in XXXX of XXXX. As per the terms of the agreement this credit card is stickily for my business use and that any reporting will be to my business credit report and not my personal credit report. I have not missed a payment nor been late with a payment or any other default in regards to my business credit card. It has been reflected on my personal account since XX/XX/year>. I contacted capital one customer report and explained the inaccurate reporting to my personal credit report and how it is having a negative effect on my creditworthiness and they did nothing to remedy the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MT

Complaint narrative:
my monthly deposited social security was stolen and a fraudulent account at a bank was created using my information I use the XXXX XXXX card social security offers and likely they caused the breach. social security must get back {$1400.00} from this fraudulent t activity. social security paid me {$1400.00} on XX/XX/XXXX, XXXX my check should have been deposited XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
I am a XXXX resident with a daughter attending the XXXX XXXX XXXX XXXXXXXX XXXX XXXX to the XXXX XXXX XXXX  ( XXXX ). XXXX is in the midst of a housing crisis and the XXXX had recently closed and will be demolishing several dorms.I purchased a condominium at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 for {$420000.00}. I had appllied for been given a term sheet for a mortgage with Guranteed Rate for {$250000.00}. 

Guranteed Rate hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Mississippi to conduct an appraisal. The appraisal came back with a valuation of {$330000.00} based on a single sale in the condominium association. in the past year. I called XXXX XXXX and Guranteed Rate. I felt the appraisal was low by more than 33 %. 

XXXX XXXX called me back and stated to me that she would not reconisder her valuie and " that is not how it is done down here in MIssissippi ''. I requested Guarnateed Rate recondisder. Guaranteed Rate stated they asked XXXX XXXX and whe woud not change the value. I believe I was discriminated against becuase of my accent and being a XXXX. ( a XXXX XXXX XXXX XXXXXXXX ) Three identical Condominiums have closed in the XXXXXXXX XXXX XXXX since XX/XX/2024, all for more than {$400000.00}. More than 6 comparable condominiums were presented by the mortgage underwiter XXXX XXXX to XXXX XXXX all with a recent sales price more than {$450000.00} local to and similiar to the condominium, XXXX. XXXX refused to consider the comparable properties. 

Because of the low appraisal I was compelled to either decrease the amount of the mortgage or face higher fees and interest rate. Rather than conduct a review of the appraisal, Guaranteed Rate, was able to charge the same fee on a smaller mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
We were a merchant offering EasyPay Financing to our customers, but EasyPay closed our account without warning, severely impacting our business. We've called three times and received different answers each time. Each time, they promised my account manager would call me back, but that never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anted
ates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am contesting this entry as it was added without my authorization according to FCRA 605B. they are required by law to obtain my consent before including any information on my report.

Company response to consumer: Closed with explanation