vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
Dear CFPB Team, I am writing to formally request your assistance in removing fraudulent accounts from my credit report that were opened and/or incurred as a result of my experience as a victim of XXXX XXXX During the time I was under duress, I had no control over my personal information, including my financial records. Several accounts were fraudulently opened and misused without my consent, leading to significant harm to my credit profile. This request was sent to the credit agencies and they have failed to honor my request which is a direct violation of 15 U.S.C. 1681c3. 

The attached documentation provides evidence of my situation and supports my request for the removal of these accounts in accordance with the protections offered to XXXX XXXX  XXXX  under the XXXX XXXX XXXX XXXX XXXX and the Debt Bondage Repair Act. These laws empower survivors to repair their financial standing by allowing the removal of adverse credit information directly linked to their exploitation. 

The following accounts are directly associated with my XXXX  situation and require removal : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached Documentation : XXXX. A self-attestation letter outlining my experience and detailing the impact on my financial situation. 
XXXX. A letter from XXXX XXXX XXXX, confirming my involvement in a XXXX  situation and supporting my claims. 

The XXXX XXXX XXXX XXXX provides explicit guidance and rights for survivors of XXXX  to remove fraudulent debts and credit entries resulting from their exploitation. Under these provisions, I respectfully request the removal of these accounts, and any adverse credit information associated with them from my credit file. 

This action is vital for my financial recovery and ensures that my credit report reflects my current and accurate financial circumstances. Please let me know if additional information is required to process my request. I deeply appreciate your support in resolving this matter and look forward to your response. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX 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 2025-01-24 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: MD

Complaint narrative:
Dear CFPB Team, I am writing to formally request your assistance in removing fraudulent accounts from my credit report that were opened and/or incurred as a result of my experience as a victim of XXXX XXXX. During the time I was under duress, I had no control over my personal information, including my financial records. Several accounts were fraudulently opened and misused without my consent, leading to significant harm to my credit profile. This request was sent to the credit agencies and they have failed to honor my request which is a direct violation of 15 U.S.C. 1681c3.

The attached documentation provides evidence of my situation and supports my request for the removal of these accounts in accordance with the protections offered to XXXX XXXX XXXX  under the XXXX XXXX Survivors Relief Act and the Debt Bondage Repair Act. These laws empower survivors to repair their financial standing by allowing the removal of adverse credit information directly linked to their exploitation. 

The following accounts are directly associated with my XXXX  situation and require removal : 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 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 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 Attached Documentation : XXXX. A self-attestation letter outlining my experience and detailing the impact on my financial situation. 
XXXX. A letter from XXXXXXXX XXXX XXXX confirming my involvement in a XXXX  situation and supporting my claims. 

The Debt Bondage Repair Act provides explicit guidance and rights for survivors of XXXX  to remove fraudulent debts and credit entries resulting from their exploitation. Under these provisions, I respectfully request the removal of these accounts, and any adverse credit information associated with them from my credit file. 

This action is vital for my financial recovery and ensures that my credit report reflects my current and accurate financial circumstances. Please let me know if additional information is required to process my request. I deeply appreciate your support in resolving this matter and look forward to your response. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper investigation into disputed items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my formal disputes, Experian failed to fulfill their legal obligation to investigate, verify, or remove inaccurate and unverified accounts from my credit report.

Specifically : 1. Failure to Conduct a Genuine Investigation : Experian 's responses to my disputes appear to be automated, with no evidence of a proper investigation. The disputes were closed quickly without a thorough review of the supporting documentation I provided to prove the inaccuracies. It like it was auto/AI generated investigation.

2. Inaccurate and Unverified Information Remains : I provided clear evidence that certain accounts on my credit report were inaccurate or fraudulent. Despite this, Experian allowed these accounts to remain on my report, negatively impacting my credit score and financial standing.

3. Failure to Fulfill Legal Obligations Under FCRA : The FCRA requires credit reporting agencies to verify disputed accounts within 30 days and remove unverifiable information. By failing to provide evidence of verification or removing unverified accounts, Experian did not comply with these legal requirements.

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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Around XX/XX/XXXX, I submitted a payment as discussed during a phone call, however, it was considered late when it was just 26 days after the due date. Despite acknowledging their error, American Express failed to amend the issue with XXXX and XXXX as promised. 
Subsequently, they erroneously marked me as over 30 days late and hiked up the APR on my card. I refused to pay the inflated amount until the credit report was corrected. Despite numerous attempts to resolve the matter and willingness to settle the full balance, American Express neglected to provide the necessary documentation. Their relentless pursuit of additional charges led me to cease all payments and card usage. Now, after a year of silence, they are attempting legal action. 
This will be contested on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, aiming to address the unjust fees and inflated APR resulting from their errors.

I demand a fair resolution and an end to their predatory practices that burden unsuspecting customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Dear Synchrony Bank Rep, I hope this message finds you well. I am writing to request a goodwill adjustment regarding the account listed below. 

Account Information : Account Number Ending In : XXXX Account Holder : XXXX XXXX Due to unforeseen financial hardship, I struggled to meet my obligations on this account. After losing my job, I searched for employment for over XXXX months, but unfortunately, the income I earned during that time was only enough to cover essential expenses such as rent, car payments, and food. Despite my best efforts, I was unable to pay my credit card balance in full. 

Recently, I paid the agreed-upon settlement amount, which resolved the debt, though not for the full balance. I understand that the remaining balance consisted primarily of late fees. While this account accurately reflects the settlement, I am asking for a goodwill adjustment to remove the negative reporting from my credit file. 

Prior to my financial difficulties, I consistently made on-time payments and maintained good standing with your institution. I take full responsibility for my challenges during that period and have since worked diligently to regain control of my financial health. Removing this negative entry would be a tremendous help as I continue to rebuild. 

Synchrony Bank has been a valued partner in my financial journey, and I hope this goodwill request can be considered as a demonstration of your understanding and support. Thank you for taking the time to review my request. 

I would appreciate any consideration you can provide and am happy to discuss this further if needed.

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 2025-01-24 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Aidvantage posted my full student loan repayment in XX/XX/2024 totaling {$28000.00} but my payment through my bank was {$33000.00}. I have tried contacting them several times and got confirmation from XXXX XXXX at Aidvantage that {$5000.00} is owed to me back. 
I have sent Aidvantage my bank statements twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
On XX/XX/year>, I sent a dispute of inaccurate and/or incomplete information in my consumer report to Equifax, XXXX, and XXXX. The Public Record that they were reporting concerning me was unverifiable by them.

I requested a description of the procedure used to determine the accuracy and completeness of the information of the disputed information, I asked for the business name and address of all furnishers of information contacted in connection with such information and the telephone numbers of such furnishers when they initially prepard the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unforntunately, it appears that they did not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in their consumer reports thatq they prepared concerning me. Also I received information back from Equifax that they could not locate me in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner Finance keeps calling me at work after I have told them to not call me at work. I have fallen behind and I'm trying to get caught up but phone calls to my job is not helping. In fact it may cost me my job. I told them I'm not allowed to receive calls at work but they still continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
Preferred Contact Method : XXXX Complaint Details Company Name : XXXX Product or Service : Credit Reporting Issue : Incorrect Information on Credit Report Good Day, Sir/madam, I am filing this complaint because XXXX reports inaccurate information on my credit report. The specific inaccuracy is that a debt I fully paid is still being reported as unpaid or late. I have attached a screenshot that provides evidence of the error. Despite contacting XXXX to correct this information, the error remains unresolved, negatively affecting my creditworthiness. Furthermore, those payments were made on time. However, Penney reported them as non-payments because I was overseas for military duties. Pennymac agreed to correct the error with all credit bureaus. There is still a record of it on my XXXX report. 
I have attached the screenshot details : a copy of my credit report showing the inaccurate information highlighted and the payment made to PenneyMac. 
I would also like to let you know that the CFPB recently fined XXXX {$3.00} XXXX for repeated violations of consumer protection laws, including the failure to provide accurate information in consumer credit reports. This ongoing pattern of noncompliance demonstrates a systemic issue with XXXX handling of consumer data. 

Signature : XXXX XXXX XXXX : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
After reviewing my credit report I noticed a delinquent account. Not sure if it is a loan or credit card that has been opened and reported XXXX XXXX. However I do not recognize this account and most definitely did not open anything through my XXXX XXXX XXXX  account ever. It is apparently a result of identity theft which I took the liberty of looking into attempting to contact my bank and my account had been closed as if it never existed as well as my job deposits at that time used towards this opened third party account I had not opened. Please delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: PA

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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-01-24 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: CT

Complaint narrative:
I frequently receive unmarked envelopes from XXXX, which I understand is a company that matches consumers with various lenders to assist with refinancing vehicles. Typically, I throw these letters away. On this occasion, I noticed the rate seemed to be on the low end of what I thought might be possible to obtain in this rate environment. The letter made specific claims that, based on my vehicle and my initial loan amount, they would be able to reduce my interest expense by lowering my monthly payment. When I logged into their loan application portal XXXX made similar claims about how I was " pre-approved '' for a rate approximately 1.5 % lower than my current rate. Once fully approved, the agent informed me that the quoted rate was not possible except, perhaps, for a new vehicle. In fact, the best rate that was available was nearly 2 % higher than the quoted rate. I feel I was made to waste my time and unnecessarily dinged my credit with a hard pull when XXXX knew that it would never be able to come close to their advertised rate.

Company response to consumer: Closed with explanation