vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: GA

Complaint narrative:
I have mailed a letter on XX/XX/2024 via mail from my personal address to this local business and have not received a response. 

To Whom It May Concern, I am writing to dispute inaccurate information on my credit report, as allowed under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). This law ensures my right to dispute and request verification or removal of incomplete, inaccurate, or unverifiable information. 



Specifically, I dispute the following item ( s ) : 1. Self/ South State Bank Reason for Dispute : This account does not belong to me Enclosed, I have included copies of my credit report with the disputed item ( s ) highlighted, as well as any supporting documentation that confirms my claim ( e.g., payment receipts, correspondence, or identity theft reports ).

As per the FCRA, you are required to investigate and verify this information within 30 days. If you can not verify the accuracy of the disputed item ( s ), they must be removed from my credit report.

Please provide written confirmation of the results of your investigation at the address listed above. If you require additional information, feel free to contact me. 



Thank you for addressing this matter promptly. 



Sincerely, XXXX XXXX with my number. address and social, a piece a mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Spring Oaks Capital LLC for reporting a credit card collection account on my credit report that I do not owe, have no knowledge of, and believe is a result of identity theft. This inaccurate reporting is significantly impacting my credit, creating financial hardships for me as a single mother trying to make ends meet. 

I have repeatedly reached out to Spring Oaks Capital LLC via email and other channels, requesting proof that this account belongs to me, including documentation with my signature. Despite my persistent efforts, I have not received any response or supporting evidence from them. 

Instead of addressing my concerns or providing verification, they continue to report negative remarks on my credit profile. I am requesting an immediate investigation into this matter and for Spring Oaks Capital LLC to either provide valid proof of this debt or remove this account from my credit report without further delay. 

Thank you for your time and attention to resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I have reached out to TransUnion numerous times regarding inaccuracies on my account, but despite my efforts, these issues remain unresolved. Under my circumstances, I have submitted dispute requests and provided documentation to support my claims, yet no progress has been made. 

In contrast, I have successfully resolved similar issues with XXXX and XXXX through the Consumer Financial Protection Bureau ( CFPB ) process. I would like TransUnion to know that I have taken proactive steps to address these discrepancies with other credit reporting agencies and expect the same level of resolution from TransUnion. 

It is essential that my disputes are reviewed thoroughly, and the inaccuracies on my account are corrected promptly, trans union does not meet my credit reporting standards needed as I am homeless. Please prioritize my case to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and avoid further escalation.

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 2024-12-28 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: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items 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 2024-12-28 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: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage account from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, under the account number XXXX. 

This account has resulted in a fraudulent 30-day late payment for XX/XX/year> appearing on my consumer FICO credit report. I do not recognize this account or the late payment as reported. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the account is fraudulent and due to identity theft.

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 2024-12-28 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: FL

Complaint narrative:
Subject : Complaint Against Experian for Failing to Address Fraudulent Accounts D Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Complaint Overview : I am submitting this complaint regarding Experians failure to address fraudulent accounts reported on my credit report. Despite providing legally binding evidence of identity theft, including an FTC Identity Theft Report and an IC3 complaint, Experian has failed to appropriately investigate or remove the fraudulent accounts.

Details of the Fraudulent Accounts : The following accounts were fraudulently opened without my authorization as a result of identity theft : XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) I previously disputed these accounts with Experian and provided comprehensive evidence, including : 1. FTC Identity Theft Report 2. IC3 Complaint Report Additionally, the XXXX XXXX account was reported to their Fraud Department, but they failed to act appropriately under the Fair Credit Reporting Act ( FCRA ).

Violations of the Fair Credit Reporting Act ( FCRA ) : Experian has failed to : 1. Conduct a thorough investigation of my dispute.

2. Remove fraudulent accounts despite sufficient evidence.

3. Fulfill their obligations to maintain accurate credit reporting as required by the FCRA.

Resolution Requested : I request the CFPB to compel Experian to : 1. Investigate and remove all fraudulent accounts from my credit report, including XXXX, XXXX, XXXX, and XXXX XXXX. 
2. Provide a corrected copy of my credit report.

3. Ensure adherence to FCRA regulations regarding consumer disputes.

Supporting Evidence : I am prepared to provide the following documentation to substantiate my claim : 1. FTC Identity Theft Report 2. IC3 Complaint Report 3. Copy of my government-issued ID 4. Proof of address ( e.g., utility bill ) Contact Information : I can be reached at XXXX or 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 2024-12-28 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: FL

Complaint narrative:
Subject : Complaint Against Experian for Failing to Address Fraudulent Accounts D Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Complaint Overview : I am submitting this complaint regarding Experians failure to address fraudulent accounts reported on my credit report. Despite providing legally binding evidence of identity theft, including an FTC Identity Theft Report and an IC3 complaint, Experian has failed to appropriately investigate or remove the fraudulent accounts.

Details of the Fraudulent Accounts : The following accounts were fraudulently opened without my authorization as a result of identity theft : XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) I previously disputed these accounts with Experian and provided comprehensive evidence, including : 1. FTC Identity Theft Report 2. IC3 Complaint Report Additionally, the XXXX XXXX account was reported to their Fraud Department, but they failed to act appropriately under the Fair Credit Reporting Act ( FCRA ).

Violations of the Fair Credit Reporting Act ( FCRA ) : Experian has failed to : 1. Conduct a thorough investigation of my dispute.

2. Remove fraudulent accounts despite sufficient evidence.

3. Fulfill their obligations to maintain accurate credit reporting as required by the FCRA.

Resolution Requested : I request the CFPB to compel Experian to : 1. Investigate and remove all fraudulent accounts from my credit report, including XXXX, XXXX, XXXX, and XXXX XXXX. 
2. Provide a corrected copy of my credit report.

3. Ensure adherence to FCRA regulations regarding consumer disputes.

Supporting Evidence : I am prepared to provide the following documentation to substantiate my claim : 1. FTC Identity Theft Report 2. IC3 Complaint Report 3. Copy of my government-issued ID 4. Proof of address ( e.g., utility bill ) Contact Information : I can be reached at XXXX or 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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I opened an account and fund said account then I get notice that my amount is being closed, but only after I had called in to discuss an issue and after using XXXX to express my feelings I was told to speak English and that there's nothing they can do. And the next thing I know my account is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MOHELA
State: MI

Complaint narrative:
I qualified for Public Service Loan Forgivness back in XX/XX/year>. Received a letter from StudentAid.gov stating my remaining two loans qualified for forgiveness and would be discharged within 30 days ( letter was on XX/XX/year> ). One loan was discharged. The remaining loan is still on MOHELAs site and StudentAid.gov. MOHELA said it could take 90 business days. They still have yet to discharge my loan which StudentAid.gov shows I have fulfilled my obligation to receive forgiveness on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
My Name is XXXX XXXX Im contacting you all because of the Lexington law class action lawsuit I need to do a change of address my old address was XXXX XXXX XXXX XXXX XXXX Alabama XXXX when I was paying Lexington law for they service Im sending my new address because I moved a few yrs ago I may be eligible for a class action lawsuit check my new address is XXXX XXXX XXXX, XXXX, XXXX AL XXXX if there are any more questions I can be reached at XXXX XXXX XXXX & thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 6XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX BALANCED {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I sent them a letter by mail on XX/XX/year> requesting this information to be removed from my credit report. 

Dear Exter Finance I am writing to formally request the removal of an account from my credit report that has exceeded the seven-year reporting limit as mandated by the Fair Credit Reporting Act ( FCRA ). The account in question is listed under my name with the following details : Please provide proof of when this account was open in my name and when it will be removed due to the FCRA law. 

Upon reviewing my credit report, I noticed that this account has been incorrectly reported beyond the allowable reporting period. According to the FCRA, negative information must be removed from a credit report after seven years from the date of the first delinquency. I kindly request that you investigate this matter and remove the account from my credit report at your earliest convenience. Please send me a confirmation once the account has been removed. Thank you for your attention to this matter. I look forward to your prompt response. 

I also sent supporting documents with my proof of mail and phone number and email and havent heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I contacted this company XXXX, XXXX XX/XX/year>2024 about this negative account there are reporting on my credit report. Asked for proof of verification of debt they never showed any proof!! then asked for them to remove it from my credit report they decided to report as paid for less. And know I have put this company on notice of demand and invoice for my rights being violated under the FCRA Act they continue to report and You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted this company XXXX, XXXX XX/XX/scrub> 2024 about this negative account there are reporting on my credit report. Asked for proof of verification of debt they never showed any proof!! then asked for them to remove it from my credit report they decided to report as paid for less. And know I have put this company on notice of demand and invoice for my rights being violated under the FCRA Act they continue to report and You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

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 2024-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Santander for repeatedly reporting a closed/charged-off loan account on my credit report that I have no knowledge of and believe is the result of identity theft. This account has been impacting my credit for nearly six years, and despite my repeated requests for them to either provide proof that this account belongs to me or remove it entirely, they have failed to provide any supporting documentation. 

This ongoing inaccuracy is severely affecting my credit profile and my ability to move forward financially. I am requesting an immediate investigation into this matter and a resolutioneither by providing valid proof of ownership of this account or by removing the account from my credit report entirely. 

Thank you for your time and attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: PA

Complaint narrative:
I am currently enrolled in the SAVE plan and placed in a forced forbearance. This forbearance is supposed to be 0 % interest however my loans are accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
I have been paying them for credit repair for months no letters from them no answer when call them NOTHING and I tired to stop and dispute charges from my card no luck had to literally cancel my card to stop them from taking money with no results from anything XXXX  had to block them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX is reporting false public record on my report i spoke with the courts that they say it was filed in and they told me they don't send information to any reporting agency 's

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