vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CARMAX AUTO FINANCE XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Department of education is inaccurately reporting a debt on my consumer report without my written consent as required by consumer laws and federal laws. I have involved my rights to privacy and demand that my non public personal information is ceased from being shared from the department of education to all 3 credit bureaus. I have not received validation or any signed contract obligating me to owe the alleged debt. Department of education and all 3 credit bureaus is govern by less protecting consumers private information as well as obtaining accurate information before furnishing to a consumers report. I am demanding that department of education immediately stop the furnishing of my personal information shared to the credit agencies I have not given consent or given any agency power of attorney to act on my behalf. By law such information is to me from odd immediately. I hereby demand my rights to privacy be protected and my non public information stopped being shared with non affiliated 3rd parties. After this notice if my information is continued to be furnished I will be seeking civil damages for the violation of my privacy 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 non-monetary relief
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Department of education is inaccurately reporting a debt on my consumer report without my written consent as required by consumer laws and federal laws. I have involved my rights to privacy and demand that my non public personal information is ceased from being shared from the department of education to all 3 credit bureaus. I have not received validation or any signed contract obligating me to owe the alleged debt. Department of education and all 3 credit bureaus is govern by less protecting consumers private information as well as obtaining accurate information before furnishing to a consumers report. I am demanding that department of education immediately stop the furnishing of my personal information shared to the credit agencies I have not given consent or given any agency power of attorney to act on my behalf. By law such information is to me from odd immediately. I hereby demand my rights to privacy be protected and my non public information stopped being shared with non affiliated 3rd parties. After this notice if my information is continued to be furnished I will be seeking civil damages for the violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ID

Complaint narrative:
In XX/XX/XXXX, I received student loan forgiveness through the Public Service Loan Forgiveness Program ( PSLF ). My loans were forgiven, and I received notice of such. However, prior to this, I had also submitted an application for Borrower 's Defense, and as such I was determined to be a full-class member of the XXXX XXXX XXXX XXXX XXXX XXXX to Borrower 's Defense to Repayment of loans from XXXX XXXX XXXX XXXX I received notification from the Department of Education that my loans for the XXXX XXXX XXXX  would be discharged per this settlement agreement, all line items pertaining to these loans would be removed from my credit bureau report, and I would receive refunds of monies paid toward these loans. This notification was dated XX/XX/XXXXXXXX XXXX XXXX 

The Department of Education said on their website that they shifted my loan information to Nelnet, however Nelnet had no record of me. They did, however, have line items on my credit bureau account that I had paid off student loans with them. I have filed several complaints with the Department of Education and they are " in review '' for months now. They are leaving it to Nelnet to handle, but Nelnet has no idea who I am and have absolutely no info on my loans- or so they say. 

I filed a complaint with Nelnet and they did call me and made a log-in to their website available, but there was no information other than my contact information on that site. A few months ago, they changed something and I am unable to log in to Nelnet any more and I get stuck on hold for interminable periods of time and then get hung up on. No one seems to be able to help me, either with the Department of Education or Nelnet. Would you be able to light a fire under them and provide me information on where my settlement agreement refund monies are? Note : I had student loans forgiven that were NOT to XXXX XXXX XXXX those are not the ones that are in dispute, only the loans taken for the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year> a letter of dispute was mailed to TransUnion located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. The dispute letter was created with XXXX XXXX which I have an account with. The letters are processed the printed out by myself and mailed out. The letter DID in fact include ; a photo copy of my valid drivers license, a current utility bill ( XXXX ) as well as a current copy of my social security card. This seems to be a stall tactic that TransUnion uses knowing good and well that they are in receipt of the requested documents. I personally printed and mailed the dispute letter from my job. I also personally attached the requested documents and stapled all three sheets together. So if the requested documents are " missing '' then where are they? I find it very funny that all three credit reporting bureaus received the same letter however conveniently on TransUnion didn't receive personal identifying documents. The letter stating the non receipt was received by me on 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-05 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: NY

Complaint narrative:
Currently o my consumer report there is an item being reported that should not be due to the fact that the account has been charged off. According to the IRS a " charge off '' should not be reported because it's considered ordinary income and income shall not be reported on any consumer report. The last update date was XX/XX/year> and the last payment date is reporting as XXXX XXXX. Attached you will find copy B of the 1099c.

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 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I applied for private student loan forgiveness on XX/XX/24 due to my school engaging in fraudulent activities. I was denied on XXXX because my loans have been paid in full, however my federal student loans are being forgiven with a refund of payments made for to the school closing due to fraudulent practices. It doesn't seem justified that they can deny my claim and make profit off my loans due to interest because they have been paid in full. They are forgiving loans and offering refunds to people who haven't paid in full so I should also receive refund of payments made. I was lied to and caused harm by my school and should be awarded the same forgiveness and refund that other people are getting. I should not be punished further simple because I worked XXXX hours a week and didn't own a car to pay my loans in full and avoid defaulting which would of harmed my cosigner as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: iQuantified Management Services, LLC
State: WA

Complaint narrative:
I received a notification about a debt when I was not even notified about the bill. There is no way I could have payed before it was brought to the debt collections. Not only that but I did not receive services of any kind on XX/XX/year> let alone what I am being billed for in the first place. It is an unfair bill that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted the credit bureau to dispute inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to respond within 30 days, or 45 days if I provided additional information. However, it has been over 45 days, and I have not received a substantive response. Instead, I have received multiple letters stating that they do not believe it is me making the request, despite having sent two additional letters confirming my identity and providing more information. I request that my account be thoroughly checked and the dispute resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted the credit bureau to dispute inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to respond within 30 days, or 45 days if I provided additional information. However, it has been over 45 days, and I have not received a substantive response. Instead, I have received multiple letters stating that they do not believe it is me making the request, despite having sent two additional letters confirming my identity and providing more information. I request that my account be thoroughly checked and the dispute resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Destiney Card has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XXXX  XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following accounts are fraudulent please remove from credit report. 

XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$660.00} XXXX ) XXXX XXXX XXXX XXXX Amount {$2700.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$430.00}

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The following accounts are fraudulent please remove from credit report. 

XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$660.00} XXXX ) XXXX XXXX XXXX XXXX Amount {$2700.00} XXXX ) XXXX XXXX Account # XXXX Amount {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The following accounts are fraudulent please remove from credit report. 

XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$660.00} XXXX ) XXXX XXXX XXXX XXXX Amount {$2700.00} XXXX XXXX XXXX XXXX  Account # XXXX Amount {$430.00}

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC
State: GA

Complaint narrative:
Fraud alert on file Collection accounts XXXX XXXX XXXX XXXX Late accounts XXXX XXXX XXXX ( paid in full not late ) XXXX ( paid in full / total loss vehicle ) XXXX ( late payment and account ) prior account was paid in full Charge off account XXXXXXXX XXXX XXXXXXXX XXXX back Hard credit inquiries XXXX  XXXX XX/XX/XXXX - come off XX/XX/XXXX XXXX XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Fraud alert on file Collection accounts XXXX XXXX XXXX XXXX Late accounts Georgia Own Credit ( paid in full not late ) XXXX ( paid in full / total loss vehicle ) XXXX ( late payment and account ) prior account was paid in full Charge off account XXXX Bank XXXX XXXX back Hard credit inquiries Capital XXXX XX/XX/XXXX - come off XX/XX/XXXX XXXX XXXX XX/XX/XXXX - unauthorized Capital XXXX XX/XX/XXXX - unauthorized Capital XXXX XX/XX/XXXX - unauthorized

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 2024-06-05 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: CL Holdings LLC
State: NJ

Complaint narrative:
15 U.S. code 1681e ( b ) remove all false and negative reports from consumer report, ,Compliance state that the Credit Bureau must be in compliance states they called ( CDIA ) the consumer compliance standard states that in order for items to be reported on a consumer credit profile it must meet, yall ( credit compliance of CFBP and CDIA ) put this standard in place and all information must mandatory be in compliance with the information to be reported so since it doesnt I would like collect items that unauthorized and inaccurate or unverifiable must be removed from my credit repot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
15 U.S. code 1681e ( b ) remove all false and negative reports from consumer report, ,Compliance state that the Credit Bureau must be in compliance states they called ( CDIA ) the consumer compliance standard states that in order for items to be reported on a consumer credit profile it must meet, yall ( credit compliance of CFBP and CDIA ) put this standard in place and all information must mandatory be in compliance with the information to be reported so since it doesnt I would like collect items that unauthorized and inaccurate or unverifiable must be removed from my credit repot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: OR

Complaint narrative:
A trade in was done, deal closed and signed and the trade off vehicle was reported as paid in full and a refund of overpayment was received from the lender. Weeks after the deal was made, XXXX XXXX identified a mistake on THEIR side of the deal. I was unwilling to personally co sign behind the car, which was what their resolution was. I also returned the car to them. They " reinstated '' the original loan of the vehicle I traded in, which is and is still in their possession, and then reported the loan delinquent. I never authorized the loan to be reinstated, they never returned the vehicle either. I have requested multiple times documentation showing they are legally allowed to do this which they never provided ( because they knew they were outside their time frame ). The mark on my credit report dropped my score nearly XXXX points. All contact made with XXXX and XXXX XXXX has been ignored.

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 2024-06-05 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: OR

Complaint narrative:
A trade in was done, deal closed and signed and the trade off vehicle was reported as paid in full and a refund of overpayment was received from the lender. Weeks after the deal was made, XXXX XXXX identified a mistake on THEIR side of the deal. I was unwilling to personally co sign behind the car, which was what their resolution was. I also returned the car to them. They " reinstated '' the original loan of the vehicle I traded in, which is and is still in their possession, and then reported the loan delinquent. I never authorized the loan to be reinstated, they never returned the vehicle either. I have requested multiple times documentation showing they are legally allowed to do this which they never provided ( because they knew they were outside their time frame ). The mark on my credit report dropped my score nearly XXXX points. All contact made with XXXX and XXXX XXXX has been ignored.

Company response to consumer: Closed with non-monetary relief