vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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 2024-05-01 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: NY

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

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 2024-05-01 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: CO

Complaint narrative:
Subject : Immediate Removal of Bankruptcy Entry from Credit Reports I am writing to demand the immediate removal of the bankruptcy entry on my credit reports. I have never authorized this reporting, and I am officially opting out of any such reporting, both now and in the future. 
This request is supported by the Privacy Act of 1974, 15 USC 1681a, and regulations under 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, which require explicit consumer consent for the disclosure of such information. In addition, 12 CFR 1016.4 emphasizes the necessity for consumer consent prior to any reporting, which I have not provided.

I also wish to point out that I have received confirmation via email from the Colorado Bankruptcy Court stating explicitly that they do not provide information to credit reporting agencies. This is further evidence that the reporting of my bankruptcy is both unauthorized and in violation of my privacy rights as outlined in the aforementioned statutes. 
Given these facts, I insist on the immediate removal of the bankruptcy reporting from all my credit reports and confirmation that I have been opted out of any future reporting of this nature. 
Thank you for your immediate attention to this matter. I expect to receive confirmation of the removal of the bankruptcy entry within 30 days of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

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 2024-05-01 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: LA

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

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXXXXXX Balance {$3100.00} XXXX XXXX XXXX XXXX  Balance {$99.00} 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 XXXXXX/XX/year>

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 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
They are impossible to reach. You sit on hold for an hour at a time or more. If you leave voicemails or emails they do not reply. They wiped out our bank account last summer. Told me every time I actually talked to a person to wait a week and call back. That the garnishment hadnt been released from the courts. They couldnt make payment plans for the remaining balance until then. I called back every week for months. I left countless emails and voicemails. No reply. No phone calls. No mail correspondence. Then they wipe my bank account out again.

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 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Between the years of XXXX and XXXX I was enrolled in the XXXX institute of XXXX  I was coerced into their deceitful practices as a minority that they had high graduation rates, employment rates, credible and transferable classes. I was told I would have all federal loans ( At the time FFELP loans ) and was pressured to get massive loans to go to the now closed school, the XXXX XXXX of Washington. During my tenure there, the classes were horrible, nothing was really being taught. I could not transfer out because their credits were not accepted at other school so was forced to try to finish. Eventually, had to withdraw due to ongoing issues with the school and financially debt they put me in. I received no value for the the predatory loans that were given to me during that time. XXXX institute has be in lawsuits by multiple states and class action. I have received a portion that was held by this predatory practices back as a refund and I am requesting the remaining amount held by Navient regardless if my loans have been paid off by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IL

Complaint narrative:
I was a victim of a XXXX XXXX XXXXr or so ago. Unfortunately, when they took my money, phone, and wallet, they decided to take my identity. I've been battling with the Credit reporting agencies for months in an attempt for them to block the information from my consumer 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 2024-05-01 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: IL

Complaint narrative:
I was a victim of a XXXX XXXX XXXX  or so ago. Unfortunately, when they took my money, phone, and wallet, they decided to take my identity. I've been battling with the Credit reporting agencies for months in an attempt for them to block the information from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
SPS IS A PREDATOR AND PRACTICE PREDATORY PRETENDING LENDING, TAX EVASION FRAUD, SECURITITES FRAUD AND XXXX VIOLATIONS AND MORE! -- -- SPS S SERVICING AND COLLECTING FOR XXXX XXXX XXXX XXXX XXXX WITH XXXXXXXX XXXX XXXXXXXX XXXX XXXX THIS LOAN IS APART OF THE XXXX MORTGAGE CRISIS AS " XXXX '' OF THE RESIDENTIAL MORTGAGE BACKED SECURITIES FRAUD AND WAS APART OF THE NY CONSENT ORDER FOR CONSUMER RELIEF IN XXXX PRIOR AND AFTER. 

SELECT PORTFOLIO IS A " COLLECTION AGENCY '' PER THE UTAH DEPARTMENT OF STATE AND THEREFORE HAVE VIOLATIONS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA XXXX XXXX XXXX ), RESPA, TILA, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC. XXXX, DEBT COLLECTION LICENSING ACT, XXXX XXXX, AND XXXX BY AGGRESSIVE MISLEADING LEGAL AND FRAUDULENT DOCUMENTS SUING IN COURT IN A COMMONWEALTH OF PENNSYLVANIA, CITY OF XXXX XXXX OF COMMON PLEAS CIVIL TRIAL DIVISION CASE XXXX WITH A ILLEGAL DEFAULT FORECLOSURE JUDGEMENT WITH FALSE DOCUMENTS AND THEY ARE " SERVICING A LOAN FOR A NON PARTY LENDER '' WITH NO ACTUAL XXXX OR RIGHTS TO THIS ASSET AND PROPERTY OR CLAIM. THIS IS FRAUD ON THE COURT AND DOMESTIC TERRORISM. 

SPS COMMITTED FRAUD WITH XXXX ROBO SIGNING AND ROBO ASSIGNED THIS LOAN THROUGH THEIR SYSTEM AFTER CONSENT OR ISSUED A " MORTGAGE RELEASE THROUGH XXXX XXXX XXXX '' COLLECTION AGENCIES BUYS OLD DEBTS. SPS IS A COLLECT AGENCY BY LAW. SPS IS A LEGALLY ONLY SERVICING AND THIS LOAN COLLECTING FOR A 'NON - PARTY LENDER ''. 

XXXX XXXX XXXX XXXX CO XXXX NOR XXXX XXXX XXXX XXXX CO XXXX XXXX TRUSTEES ) ARE " NOT '' THE LENDER HAS NO RIGHTS AND HAS NO LEGAL STANDING TO SUE ME FOR MY HOME AND FORECLOSURE ON XX/XX/XXXX! SPS HAS COMMITTED FRAUD BY XXXX XXXX  XXXX, XXXX, AND EVERY OTHER FEDERAL HOUSING AGENCY AND HAVE CONSENT ORDERS FOR FRAUD ON FILE WITH EVERY FEDERAL AGENCY. YET THEY HAVE NOT STOPPED. 

A XXXX HAS BEEN FILED WITH NY STATE AND SPS DOES NOT HAVE A LIEN ON THIS PROPERTY OR BODY. THEY ARE TRYING TO STEAL MY HOME! 

THIS IS FRAUD. STOP THE FRAUD. CALL THE XXXX  HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
I am writing to urgently dispute the validity of the collection accounts listed on my credit report under the account numbers XXXX and XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX USC 1692c ( c ), I am formally requesting that all communication regarding these debts cease immediately. 

On XX/XX/2023, I sent a written notice to XXXX XXXX XXXX XXXX informing them that I refuse to pay the alleged debts and requested that they cease all further communication with me regarding these matters. Enclosed with this letter is a copy of the letters I sent for your reference. 
According to 15 USC 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector is legally required to cease all communication regarding the debts. Failure to comply with this request can result in legal action. 
Therefore, I demand that you promptly investigate these matters and take the necessary steps to remove the collection accounts from my credit report. Additionally, I request that you confirm in writing that all communication regarding these debts has ceased.

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 2024-05-01 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: TX

Complaint narrative:
I am writing to urgently dispute the validity of the collection accounts listed on my credit report under the account numbers XXXX and XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am formally requesting that all communication regarding these debts cease immediately. 

On XX/XX/year>, I sent a written notice to XXXX XXXX XXXX XXXX informing them that I refuse to pay the alleged debts and requested that they cease all further communication with me regarding these matters. Enclosed with this letter is a copy of the letters I sent for your reference. 
According to 15 USC 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector is legally required to cease all communication regarding the debts. Failure to comply with this request can result in legal action. 
Therefore, I demand that you promptly investigate these matters and take the necessary steps to remove the collection accounts from my credit report. Additionally, I request that you confirm in writing that all communication regarding these debts has ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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 am writing to urgently dispute the validity of the collection accounts listed on my credit report under the account numbers XXXX and XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am formally requesting that all communication regarding these debts cease immediately. 

On XX/XX/year>, I sent a written notice to XXXX XXXX XXXX XXXX informing them that I refuse to pay the alleged debts and requested that they cease all further communication with me regarding these matters. Enclosed with this letter is a copy of the letters I sent for your reference. 
According to 15 USC 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector is legally required to cease all communication regarding the debts. Failure to comply with this request can result in legal action. 
Therefore, I demand that you promptly investigate these matters and take the necessary steps to remove the collection accounts from my credit report. Additionally, I request that you confirm in writing that all communication regarding these debts has ceased.

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 2024-05-01 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: AL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-01 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: AL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-01 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: AL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: PA

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to promptly eliminate the unauthorized inquiries from my credit report. They were not approved by me and are causing me significant concern.

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