vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: LA

Complaint narrative:
I have a complaint regarding XXXX XXXX XXXX and how they are reporting payments received. 

XXXX XXXX XXXX is reporting XX/XX/year> XXXX payment as 30 days late in error. XXXX was paid on the XXXX. Originally XX/XX/year> Mortgage payment was reported late. This was disputed and updated in my favor only to have the late payment move to XXXX unexpectedly. I have tried multiple times to get Equifax to remove the late payment, but they indicate that it has been verified as accurate and my repeated attempts are frivolous. 

XXXX XXXX XXXX has admitted that XXXX was not reported as late to the credit agencies but stands firm that it is XXXX that is now showing in XXXX. My concern with this is that XXXX already showed as late and was removed because it was also an error. 

Although both XXXX and XXXX were paid late, neither were paid late enough to be reported to the agencies. XXXX states that XXXX was received after the close of business this is a false statement. XXXX Mortgage payment was received at XXXXXXXX XXXX. on XX/XX/XXXX and their business hours are XXXX XXXXXXXX XXXX Monday Friday. They also state that for a payment to be posted to the account on the same day, it must be received before XXXXXXXX XXXX  This is also a false statement. Prior to XX/XX/year> payments were posted/credited on the same day scheduled. After XX/XX/year> they are not posted/credited to my account until they have cleared my bank account. 

Proof in point, XXXX was paid on the XXXX at XXXXXXXX XXXX. and I did not receive credit for payment until the XXXX. XXXX was paid on the XXXX at XXXXXXXX XXXX. and I did not receive credit for payment until XX/XX/XXXX. XXXX was paid on the XXXX at XXXX XXXX and I did not receive credit for payment until the XXXX. XXXX was paid on the XXXX at XXXXXXXX XXXX. and I did not receive credit for payment until the XXXX. The Consumer Financial Protection Bureau states that payments are to be credited to the consumers account on the date of receipt not when the funds are deposited into the creditors account. Additionally, the CFPB allows for reasonable cut-off times, but it states that cut-off times shall not be before XXXX p.m. So, the statement made by XXXX regarding received after close of business is a FALSE statement. I repeat their business hours are XXXXXXXX XXXX  Monday XXXX and the payment in question was made at XXXXXXXX XXXX on XX/XX/XXXX. This is before their close of business and before the XXXXXXXX XXXX. time allowed by the CFPB. 

Multiple payments have been posted incorrectly. Thankfully only XXXX and XXXX have posed a problem. This is unfair credit reporting and needs to be addressed and removed from my Equifax credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Registered Mail Receipt : XXXX For Arbitration Account name : XXXX XXXXXXXX Account number : XXXX When a consumer disputes the accuracy or completeness of information in their consumer report, the FCRA requires Experian to conduct a reasonable reinvestigation of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). At the conclusion of the reinvestigation, Experian must modify or delete any item of information found to be inaccurate or incomplete, or that it could not verify. 15 U.S.C. 1681i ( a ) ( 5 ). For any information deleted as a result of a dispute, the FCRA imposes specific obligations on Experian that must be satisfied before that information may be reinserted into a consumers file. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).

9. As a result of the above, Experian fails to conduct a reasonable reinvestigation and convey all relevant information to furnishers, which causes or increases the risk that inaccurate information remains in consumers files. 53. Such documents are sufficient to put Experian on notice that the furnisher may have transmitted unreliable information. Yet, Experian regularly gives the supporting documents no weight in resolving the dispute and routinely conducts no further reinvestigation of the dispute beyond the furnishers XXXX response. 

On XX/XX/year> Experian Has Reinserted XXXX XXXX Account That Is A Result Of Identity Theft. 
Removal Of XXXX XXXXXXXX Account Immediately - Capital One Has Already Settled Off The Debt & Removed The Account.

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 2025-02-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 antedates 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Dear CFPB Complaint Center, I am filing this complaint regarding a serious concern about the potential unauthorized access or sharing of my sensitive student loan data. I am a borrower whose loans are managed by Aidvantage, and I believe my personal financial information may have been accessed by Elon Musk or affiliated entities without my consent.

As a student loan borrower, I expect my private information to be handled in accordance with federal laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. If any unauthorized third party, including Mr. Musk or his companies, has been granted access to my data, I request an immediate investigation and corrective action.

Issues I Am Experiencing : I am concerned that my sensitive student loan information has been improperly accessed, transferred, or shared with unauthorized entities.

I have not been provided any transparency regarding who has access to my personal loan data. 

I am unsure if my financial information has been misused or could be in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax put the XXXX XXXX ( Account # XXXX ) account back on my credit report without doing a proper investigation or notifying me within 5 business days, which breaks the law under 15 USC 1681i ( 5 ) ( B ) ( ii ) - ( iii ). This account was DELETED BEFORE, but now its back without any valid reason or proof. By law, Equifax is supposed to make sure the information is accurate, notify me about the reinsertion, and provide details like the business name, contact info of the company that verified it, and my right to dispute it. I DIDN'T get any of that. Instead, I got a generic notice, which makes me believe no proper investigation was done. Also, under 15 USC 1681b ( f ), NOBODY is allowed to pull or report information on my credit without a valid reason. By not following these rules, Equifax is responsible for willfully breaking the law under 15 USC 1681n and being negligent under 15 USC 1681o, which makes them liable for damages. I need proof of verificationwho they talked to, how they verified the account, and any documents related to it. If they cant prove it, they need to delete the account right away. If this doesnt get resolved, Ill be forced to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
My Zelle was taken away from me for fraud after somebody sent me money and claimed it was fraudulent. I wasnt contacted to see if it was actually fraudulent. I have XXXX so XXXX unable to add money to my account without Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Express Recoverys wage garnishment judgment against me for XXXX  debts allegedly owed to the XXXX  XXXX XXXX  and XXXX XXXX XXXX XXXX. These hospitals have failed to provide any financial agreement authorizing the transfer of my account to a third-party collection agency. I believe this debt collection action is unlawful and that both hospitals have violated the No Surprises Act in their handling of my medical billing. 

I was never given proper notification or consent regarding the assignment of my account to Express Recovery. Furthermore, I have reason to believe that the charges in question include services that should have been covered under the No Surprises Act, which protects patients from unexpected and unauthorized medical bills. 

I request the following actions from your office : Investigation into Express Recoverys collection efforts to determine whether they lawfully obtained authorization to collect this debt and whether the judgment against my wages is valid. 
Review of XXXX  XXXX XXXX  and XXXX XXXX XXXX XXXX compliance with the No Surprises Act, specifically regarding their failure to properly disclose charges and obtain financial agreements before assigning my account to a third party. 
Immediate intervention to halt any wage garnishment until this matter is fully investigated. 
I have attached copies of relevant documentation, including billing statements, correspondence with the hospitals, and any notices from Express Recovery. Please let me know if you require any additional information to assist in this review. 

Thank you for your time and attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
The information from the department of education is not reporting correctly on each bureaus. The credit report has reaged an account that was started in XXXX  The original creditor was XXXX XXXX it has not then been switched to XXXX. But upon the switch the started the account over again as if it was newly made. This account should be deleted from showing on credit report according to 15 U.S.C. 168XXXX provides consumers with the power to dispute inaccurate information that is listed on their credit reports. With this being done it has cause done damages to my credit report since the switch and not allow me to access the correct information or privilege as others. Even after disputing with these bureaus it has com back accurate and verified. This shows the investigation into this matter was not taken seriously. The damages done should be even greater for the years of not correctly looking into this false reporting which is a clear violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain Credit.

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 2025-02-11 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. CXXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. CXXXX XXXX ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Premium Credit Bureau
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Sunrise, FL XXXX XX/XX/XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Delete this inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Legal Basis for Removal of Hard Inquiry : Under 15 U.S. Code 1681b ( f ), a consumer reporting agency is prohibited from furnishing a consumer report unless there is a permissible purpose as outlined by the FCRA. If this inquiry was not authorized by me in writing or initiated by me directly, it constitutes a violation of this law.

Additionally, per 15 U.S. Code 1681i ( a ), you are required to investigate disputed information within 30 days of receiving my request. If you can not provide tangible proof that I authorized this hard inquiry ( such as a signed credit application ), you are legally obligated to remove it from my credit report immediately.

Failure to remove an unauthorized inquiry may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing statutory damages for willful non-compliance under 15 U.S. Code 1681n. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation