vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX I am writing to bring to your attention a serious matter related to my consumer rights, which, I believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt.

2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties.

3. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. 
I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 
Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
On XX/XX/XXXX I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Hello I have now been dealing with this going on 8 years when someone stole my idenity. And I have spoken with many representatives regarding this debt. As this account is now hitting its 8th year mark and still being reported on my credit report. This account is not mines as I been stating the whole time I have never lived at this address nor do I have any knowledge of this account. Im asking for immediate removal as this has caused me alot of financial hardships. Im requesting immediate removal or I will find a consumer law in the next 30 days regarding this matter. As I have not been able to get a place. Also on each bureau they are reporting different last 4 of socials, different open and closed dates im just frustrated with this as I will attach a copy when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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

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 2024-02-23 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 recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

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

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 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I negotiated a payment option to pay off this debt with the verbal agreement and understanding that this would not be reported to any of credit bureaus. The lady I spoke with lied to me and stated that absolutely so long as youre making payments, we will keep this off of your credit report. Making all the payments that I agreed on last year I received notice from XXXX that I have a collection account derogatory information affecting my credit score. This company lied to me when they stated they would not report this to the credit as I was making payments. I have proof of these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I paid the loan in full, it says so on my account and on my credit report. But it also says on my credit report that I never paid at all in a seperate section which is inaccurate. I have evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: DE

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their refusal to honor my opt-out request dated XX/XX/XXXX, pursuant to 15 USC 6802. 

On XX/XX/2024, I submitted a written request to XXXX XXXX XXXX to opt-out of information sharing practices as allowed under 15 USC 6802. Despite my explicit request and the legal obligation under the aforementioned statute, XXXX XXXX XXXX has failed to honor my request. Despite multiple attempts to rectify the situation through direct communication with XXXX 's customer service representatives, the issue remains unresolved. 

XXXX XXXX XXXX ' failure to honor my opt-out request is not only a violation of my privacy rights but also a breach of federal law. I have made every effort to resolve this matter directly with XXXX, but their unwillingness to comply with federal regulations necessitates the intervention of the Consumer Financial Protection Bureau. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure XXXX XXXX XXXX complies with federal law and honors my opt-out request in accordance with 15 USC 6802. 

Please find enclosed copies of relevant correspondence and documentation supporting my complaint. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: DE

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their refusal to honor my opt-out request dated XX/XX/year>, pursuant to 15 USC 6802. 

On XX/XX/year>, I submitted a written request to XXXX XXXX XXXX to opt-out of information sharing practices as allowed under 15 USC 6802. Despite my explicit request and the legal obligation under the aforementioned statute, XXXX XXXX XXXX has failed to honor my request. Despite multiple attempts to rectify the situation through direct communication with XXXX 's customer service representatives, the issue remains unresolved. 

XXXX XXXX XXXX ' failure to honor my opt-out request is not only a violation of my privacy rights but also a breach of federal law. I have made every effort to resolve this matter directly with XXXX, but their unwillingness to comply with federal regulations necessitates the intervention of the Consumer Financial Protection Bureau. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure XXXX XXXX XXXX complies with federal law and honors my opt-out request in accordance with 15 USC 6802. 

Please find enclosed copies of relevant correspondence and documentation supporting my complaint. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize and have requested info on.

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 2024-02-23 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-23 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: MO

Complaint narrative:
XX/XX/2024 Consumer Protection Rights On this day I contacted XXXX Fraud Division at ( XXXX ) XXXX on a recorded line and was informed of XXXX  XXXX accounts being blocked and reported as fraud. However XXXX XXXX as a creditor contacted XXXX to have them unblock the accounts placing item that was once Deleted by XXXX to reappear on my Credit Profile causing me XXXX XXXX and to be denied a home loan. 
XXXX XXXX Special Services also stated that as a Consumer I do infact have no rights with XXXX and that XXXX listens to the creditors because that's how XXXX makes there money by the creditors paying to use XXXX Services. 

I beg for help and protection against these creditors being allowed to maintain fraudulent information on consumers credit reports. As stated I've filed a Identity Theft Complaint and Numerous FTC and CFPB complaints which XXXX recommended inorder to have XXXX  XXXX items remov3d and blocked from accessing my report. 
I've complied with each step and need protection. Please contact me in writing. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: MO

Complaint narrative:
XX/XX/year> Consumer Protection Rights On this day I contacted Experian Fraud Division at ( XXXX ) XXXX on a recorded line and was informed of XXXX  XXXX accounts being blocked and reported as fraud. However XXXX XXXX as a creditor contacted Experian to have them unblock the accounts placing item that was once Deleted by Experian to reappear on my Credit Profile causing me XXXX  XXXX  and to be denied a home loan. 
XXXX Experian Special Services also stated that as a Consumer I do infact have no rights with Experian and that Experian listens to the creditors because that's how Experian makes there money by the creditors paying to use Experian Services. 

I beg for help and protection against these creditors being allowed to maintain fraudulent information on consumers credit reports. As stated I've filed a Identity Theft Complaint and Numerous FTC and CFPB complaints which Experian recommended inorder to have XXXX  XXXX items remov3d and blocked from accessing my report. 
I've complied with each step and need protection. Please contact me in writing. 

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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: AZ

Complaint narrative:
***PLEASE REFERENCE PREVIOUS CFPB COMPLAINT NUMBER XXXX FIRST PROGRESS RESPONDED TO MY ORIGINAL COMPLAINT DATED XX/XX/2024 ON XX/XX/2024 CLAIMING THAT A REQUEST TO EXPEDITE THE REFUND OF MY {$1000.00} SECURITY DEPOSIT WAS SUBMITTED, HOWEVER, AFTER SPEAKING WITH XXXXSUPERVISOR TODAY, HE ADVISED THAT THERE HAVE BEEN " NO '' REQUEST TO EXPEDITE THE REFUND OF MY SECURITY DEPOSIT AND THAT IT WILL STILL TAKE UP TO 10 WEEKS. 

I WOULD LIKE TO KNOW WHY THIS COMPANY PROVIDED A WRITTEN RESPONSE WITH A BLATANT " LIE ''?! 

I WAS ALSO INFORMED BY XXXX THAT A REQUEST MUST BE SUBMITTED TO THE CORRESPONDANT DEPT AT XXXX REQUESTING THAT THE SECURITY DEPOSIT BE REFUNDED. 

I WOULD LIKE FIRST PROGRESS TO PROVIDE ME WITH SPECIFIC DETAILS OF WHEN THE REQUEST WAS MADE - IE. SPECIFIC DATE AND TIME AND TO WHAT FAX # / EMAIL ADDRESS, ETC. THE REQUEST WAS MADE TO ON XX/XX/2024? 

ADDITIONALLY, FIRST PROGRESS STILL HAS NOT PROVIDED ME WITH A COPY OF THE AGREEMENT THAT I SUPPOSEDLY SIGNED ACKNOWLEDGING MY AGREEMENT TO ALLOW 10 WEEKS BEFORE I WOULD RECEIVE MY SECURITY DEPOSIT. 

AGAIN, I AM REQUESTING THAT CFPB PROVIDE FURTHER INVESTIGATION INTO THIS PRACTICE BY FIRST PROGRESS AS I BELIEVE IT IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. 

YOUR IMMEDIATE ATTENTION IS GREATLY APPRECIATED. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Nelnet, Inc.
State: WI

Complaint narrative:
Same XXXX that happened two years ago. Please refer to my 2022 cases ( XXXX ; XXXX ; XXXX ; XXXX ; others ). It took an inordinate amount of time to discuss the issue with Nelnet to no avail that I am not going through that process again. I am going directly to filing a complaint. That's how it was fixed last time. 

Very simple, the issue is ( like 2 years ago ), that I get nonsense letters in the mail that I am close to {$2000.00} behind when I am actually paid ahead. Their own monthly statements show that ( except this last one ) ; my electronic files show I am paid ahead. 

In closing, I am paid ahead but these people can't get their s & ^ % together. It is the same thing as last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against I. C Systems Inc for multiple violations of consumer protection laws, as outlined in the CFPB regulations. Despite repeated attempts to rectify this matter, I.C Systems has persisted in their unlawful actions, and I seek your intervention to address these egregious violations. 
Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Validation Information Under the regulation 12 CFR 1006.34 ( b ) ( 5 ), I.C Systems Inc has failed to provide the necessary validation information pertaining to the alleged debt. Despite my requests for validation, they have neglected to furnish any documentation proving the legitimacy of the debt. 
Violation of 12 CFR 1006.34 ( c ) ( 4 ) : Denial of Dispute Opportunity I have not been afforded the opportunity to dispute the validity of the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ). I.C Systems Inc has disregarded my right to dispute the accuracy of the information reported to consumer reporting agencies. 
Violation of Consumer Rights : Misleading and Deceptive Practices It has come to my attention that I.C Systems Inc has engaged in misleading, misrepresentative, and deceptive practices in their attempts to collect the alleged debt. Such actions constitute a clear violation of consumer rights and undermine the integrity of the debt collection process. 
Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S : Unauthorized Furnishing of Account Information Furthermore, I.C Systems Inc has furnished information to consumer reporting agencies without providing the requisite disclosures mandated by law, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S. This unauthorized disclosure of account information has resulted in unwarranted damage to my credit report. 
In light of the aforementioned violations, I hereby request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against I.C Systems Inc. Additionally, I urge the Bureau to ensure that [ Name of Collection Agency ] ceases all collection activities related to the disputed debt until these issues are resolved in accordance with the law. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my consumer rights.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See document attached

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 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I noticed the account XXXX XXXX XXXX on my credit report. I have no prior knowledge of this 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 non-monetary relief
Consumer complaint received 2024-02-23 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: MS

Complaint narrative:
The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. 

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. 

Therefore I am opting out and not authorizing it to be used on my 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