vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear [ CRA Name ], I am writing to dispute an account listed on my credit report with account name " XXXX XXXX '' and account number " XXXX. '' The information reported is inaccurate and requires correction. 

Specifically, the account has been reported as charged off for every month in 2024, which seems redundant and potentially a violation of the Fair Credit Reporting Act. Additionally, I am requesting verification of the following details : The accuracy of the reported balance of {$1500.00} Documentation validating the charge-off status and original balance Any inaccuracies in the terms and status updates Please conduct an investigation of this matter, verify the information with the original creditor, and provide me with a written response detailing your findings. 

If you find the account to be inaccurate or unverifiable, I request that it be promptly corrected or removed from my credit report. 

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

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 2025-01-10 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear [ CRA Name ], I am writing to dispute an account listed on my credit report with account name " XXXX XXXX '' and account number " XXXX. '' The information reported is inaccurate and requires correction. 

Specifically, the account has been reported as charged off for every month in XXXX, which seems redundant and potentially a violation of the Fair Credit Reporting Act. Additionally, I am requesting verification of the following details : The accuracy of the reported balance of {$1500.00} Documentation validating the charge-off status and original balance Any inaccuracies in the terms and status updates Please conduct an investigation of this matter, verify the information with the original creditor, and provide me with a written response detailing your findings. 

If you find the account to be inaccurate or unverifiable, I request that it be promptly corrected or removed from my credit report. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear [ CRA Name ], I am writing to dispute an account listed on my credit report with account name " XXXX XXXX '' and account number " XXXX. '' The information reported is inaccurate and requires correction. 

Specifically, the account has been reported as charged off for every month in 2024, which seems redundant and potentially a violation of the Fair Credit Reporting Act. Additionally, I am requesting verification of the following details : The accuracy of the reported balance of {$1500.00} Documentation validating the charge-off status and original balance Any inaccuracies in the terms and status updates Please conduct an investigation of this matter, verify the information with the original creditor, and provide me with a written response detailing your findings. 

If you find the account to be inaccurate or unverifiable, I request that it be promptly corrected or removed from my credit report. 

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

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 2025-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: IL

Complaint narrative:
Details of the Complaint : I am filing this complaint regarding a private student loan I obtained through Sallie Mae for attendance at the XXXX XXXX XXXX XXXX. The school abruptly closed before I could complete my degree due to fraudulent practices. My federal student loans were fully canceled and refunded under the Department of Education 's Borrower Defense program, but I am still required to repay my Sallie Mae private loan, which totals approximately {$600.00} per month. 

The continued repayment of this private loan places an undue financial burden on me, particularly since the schools closure was beyond my control and has left me without a degree or the ability to benefit from my education. 

I have contacted Sallie Mae to request discharge of my loan based on the fraudulent practices of the school, but I am seeking assistance in ensuring they address this matter fairly and in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Credit Karma, LLC
State: TX

Complaint narrative:
there have been multiple inquiries, on my behalf to credit karma an alarming exagerrated amount of times, and i know for a that was not me, there was a report posted XX/XX/XXXX, possible fraud but that was not me, i never logged in at all that day, i honestly believe soemone has access to all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XXXX XXXX I filed a dispute with experience to have them take off close the account on my credit they never reached out to me. I was also getting notified that they were giving away my information to other companies. Without my knowledge they were leaking my 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 explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, I have found some information that is inaccurate on my credit report. There are reports of late payments, This is not true, I was not late. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
Please address this matter promptly and confirm the removal of the disputed entries

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 2025-01-09 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, I have found some information that is inaccurate on my credit report. There are reports of late payments, This is not true, I was not late. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
Please address this matter promptly and confirm the removal of the disputed entries

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 2025-01-10 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: TX

Complaint narrative:
I have requested verification and validation, but experian does not investigate or show proof that the accounts have been verified by law. this has caused me adverse actions and credit denial.

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 2025-01-10 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 AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the XXXX 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.

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 2025-01-10 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: PA

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Farrell Holdings, LLC
State: IA

Complaint narrative:
PAC Auto Finance XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Re : Complaint Regarding Vehicle Repossession and Communication Practices I am writing to formally lodge a complaint concerning the repossession of my vehicle and the subsequent communication practices employed by PAC Auto Finance XXXX 

Due to unforeseen circumstances, I fell behind on my car loan payments. As of [ Date ], the total amount owed was {$13000.00}. I have maintained possession of the vehicle since XX/XX/year>. Unfortunately, I lost my job and my apartment, leaving me without a stable residence. The vehicle became my primary means of transportation. 

I reached out to PAC Auto Finance to discuss my situation and explore possible solutions. Despite my efforts, I was informed that I was still behind on payments. On XX/XX/year>, I contacted the company and spoke with a XXXX who was uncooperative and rude. She stated that the company had contacted the post office to verify my previous address and accused me of providing false information. Additionally, she mentioned that all calls are recorded and that my references were being contacted, causing me embarrassment and distress. 

I explained that I do not have a phone and that I am currently staying at my fathers residence, information I had previously provided. The XXXX insisted on knowing my exact location and accused me of hanging up on her, which I did not do. I am now in the process of starting a new job and securing housing. However, without my vehicle, I will be unable to attend therapy appointments, commute to work, or meet my financial obligations, including rent and bills. This situation places me at risk of homelessness. 

Complaint : I am dissatisfied with the following actions : 1. Repossession Without Adequate Notice : I was not provided with sufficient notice or an opportunity to cure the default before the repossession occurred.

2. Harassment and Invasion of Privacy : The company contacted my references without my consent, causing undue embarrassment and distress.

3. Unprofessional Conduct : The managers behavior was unprofessional, accusatory, and lacked empathy for my circumstances.

Requested Resolution : I respectfully request the following actions : 1. Reinstatement of Loan : Allow me to reinstate my loan by paying the overdue amount and any associated fees, enabling me to regain possession of my vehicle.

2. Review of Communication Practices : Ensure that all communications are conducted professionally and respectfully, adhering to privacy laws and regulations.

3. Consideration of Financial Hardship : Take into account my current financial situation and work with me to establish a manageable payment plan. 

I trust that PAC Auto Finance will address these concerns promptly and work with me to find a fair and reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XXXX broke contractual agreement, I was no longer obligated to pay. XXXX then sent me to collections. I paid the debt to XXXX XXXX XXXX XXXX Debt collectors then put my account on debt collection and attempted to collect {$190.00}. I requested a validation on XX/XX/XXXX and waited 30 days. They have yet to remove the negative mark on my account as of XX/XX/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 2025-01-10 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 Section 602A. states that 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 an 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 or any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES AND NAMES AS I HAVE NO KNOWLEDGE OF THEM ACCORDING TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. XXXXXXXX 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 PLEASE REMOVE THE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES AND NAMES AS I HAVE NO KNOWLEDGE OF THEM ACCORDING TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. XXXX. US DEPT ED XX/XX/XXXX, XXXX. US DEPT ED XX/XX/XXXX, XXXX. US DEPT ED XX/XX/XXXX, XXXX. US DEPT ED XX/XX/XXXX, XXXX. US DEPT ED XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, IL 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 2025-01-10 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: NJ

Complaint narrative:
An unauthorized inquiry appeared on my credit report today, and I am utterly baffled as to why. My regular review of the report revealed these unexpected discrepancies. I even refreshed my browser multiple times, thinking it might be an error, but the unauthorized inquiry persisted. I am highly frustrated and demand that the documents I submitted be checked thoroughly to ensure this issue is resolved permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-09 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: GA

Complaint narrative:
Im deeply concerned about the recurring errors on my report that continue to harm my score and limit my future opportunities. Seeing these mistakes time and again is frustrating and disheartening, especially when they are out of my control. Its unfair that Im being penalized for inaccuracies that shouldnt even be there. These errors are affecting my financial health and my ability to grow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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