vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am writing to formally request the discharge of all student loans held by Navient due to the companies, deceptive practices, misrepresentation and failure to provide proper guidance regarding my loan repayment options. 

Navient misled me by steering me away from income driven repayment plan which could have made my payments more affordable and eligible for loan forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon, due to capitalized interest. 

This manipulation and has led me to years of financial strain. It has profoundly affected my ability to meet my financial obligations. In addition Navient has a history of reporting my payment status to credit agencies, severely damaging my credit score. This misinformation provided their representatives has delayed my pursuit of more favorable repayment options, and contributed to an overwhelming amount of accrued debt well beyond what I originally borrowed. These tactics are consistent with a widespread fraudulent behavior for which Navient has been sued by numerous states and the consumer financial protection bureau. Navients conduct has caused me significant financial harm, XXXX XXXX, and a long-term burden that couldve been avoided with honest and fair guidance practices. 

As a borrower who relied on XXXX advice and entrusted them to manage my student loans I believe I am entitled to the discharge all related debt that has created an unjust financial situation. I ask that my loans be fully forgiven. 

Thank you for considering my request, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: TN

Complaint narrative:
I checked my credit with all credit reporting agencies on XX/XX/year> I am writing regarding the alleged debt associated with account AMERICAN FIRST FINANCE XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX in the amount of {$3900.00} which is reporting to my credit report as charged off as profit and loss write-off. As of this date, I have not received a Form 1099-C for this cancellation of debt, which is required to be provided under IRS guidelines Internal Revenue Code Section 6050P for debts forgiven in excess of {$600.00}.

I am formally requesting that you issue a Form 1099-C as required by law so that I may accurately report this on my tax return. Please note that failure to provide this form may subject your company to penalties as outlined by IRS regulations. Per IRS instructions, Form 1099-C must be issued by XX/XX/XXXX of the year following the debt cancellation. For more detailed IRS guidance on this, you can refer to **IRS Publication 4681**.

If the 1099c is not issued to me, I will be forced to file a 3949a or form 211 whistleblower form with the Internal Revenue Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I called and advised the bank account they were using had issues and asked for other methods of payment as they continue to be advised just a banking account. After calling and complaining then they finally advised my account number to use and that I would not receive a card. So, the information would not allow me to log in because I was never provided the account number needed to log in. I have never dealt with such bad communication. This company takes no accountability for the horrible customer service provided. Call after no with no help has now cause bad information on my credit report. I've asked time after time to has this issue to escalate to upper management with a supervisor pretty much calling to point every finger to me. After all m complaining finally I was told what the issue with no help to resolve what could have been resolved. After a review and research this company has done this to many consumers and have been able to get away with this for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is reporting negative to my credit report for XXXX XXXX XXXX for the year of XXXX. When trying to contacting them on XX/XX/XXXX and find out it was a company posed as LVNV Funding which later fought out it was XXXX XXXX. I told the rep that I never had utilities in my name for the year of XXXX because my job require me to travel XXXX XXXX and I was staying in hotel during XXXX and the years prior in another state. The rep told me that it was error reporting on my credit report and he will have it remove. I ask for a letter to provide to a apartment complex I was trying to move-in and the rep to me that it will be {$370.00} fee for the letter. I received the letter on XX/XX/XXXX via email, but it didn't not say anything about LVNV Funding and on XX/XX/XXXX for the same company that posed to be LVNV Funding which was XXXX XXXX sent me a settle via email for LVNV Funding for {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I filed a dispute with my bank sofi in regards to a dispute with XXXX for XXXX $ it was for a unautherised charge that i did not consent to.i opened the dispute and they closed it in less then 24hours they did not even investigate it. 
When i tried to have it reopened they refused to re open it they sai i need new information which i did provide i sent them a police report and they still wont reopen dispute. 
Will attach police report again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
This a formal complaint regarding inaccurate information on my XXXX credit report, which violates the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is causing significant harm to my creditworthiness and financial stability, and despite my efforts to address it, the issue remains unresolved. 
Specifically, the account in question is reported under " National Credit Adjusters '' with the original creditor listed as " XXXX '' and an account number partially displayed as " XXXX ''. The reported balance is {$870.00}, listed as past due as of XX/XX/XXXX. However, there are factual inaccuracies associated with this account : Date Opened : The account is reported as opened on XX/XX/XXXX, but I have no record of initiating such an account or transaction on or around that date. 
Status Details : The account is labeled as " Collection account, {$870.00} past due as of XXXX XXXX, '' but the reported " date opened '' and payment history are inconsistent with my financial records and do not accurately reflect my payment activity or obligations. 
Account Validity : This account is currently disputed, as indicated by the comment on the credit report. However, the report fails to reflect whether the debt has been properly validated by the debt collector as required under the FDCPA. This omission misleads creditors and violates my rights under federal law. 
The inaccurate reporting by XXXX and the debt collector, National Credit Adjusters, has a material impact on my credit profile and could prevent me from accessing credit or financial services. Under the FCRA, both credit reporting agencies and data furnishers are obligated to ensure maximum possible accuracy in credit reports, and this standard has clearly not been met in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: LEXISNEXIS
State: WI

Complaint narrative:
Subject : Unauthorized Access and Use of Personal Information Through recent correspondence dated XXXX, LexisNexis stated that they accessed my bankruptcy information from PACER. 
I did not authorize LexisNexis to access, collect, or share my personal information, including bankruptcy records. Under the Fair Credit Reporting Act ( FCRA ) 1681b ( a ), access to a consumer 's credit information requires a permissible purpose. Their actions constitute a violation of my rights if they are unable to demonstrate a lawful reason for accessing or distributing my information. 

Additionally, the accuracy and completeness of the reported bankruptcy information must comply with 1681e ( b ) of the FCRA. If the information is outdated, inaccurate, or unverifiable, it must be removed immediately. 

The bankruptcy in question has been inaccurately reported by LexisNexis to the major credit bureaus by the following : Missing or incorrect discharge details and filing dates. 
Failure to ensure the maximum possible accuracy of the information ( 1681e ( b ) ). 
Failure to mark the bankruptcy as " disputed '' when I filed a dispute ( 1681c ( f ) ). 
Dissemination of unverifiable or incomplete data to the credit bureaus ( 1681i ( a ) ( 5 ) ). 

Despite my formal dispute, LexisNexis failed to conduct a reasonable reinvestigation and continues to allow incomplete information to persist across the credit bureaus. This has resulted in significant damage to my credit profile, including higher interest rates and difficulties obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I disputed this account, I was a victim of a credit breach, and it was deemed to meet the FCRA 605B 15.S.C. 1681c-2 this should have been removed from my credit report ; it was reported as a charge off, instead this company continues to renew every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
THEY CONTINUE TO REORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG 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 2025-01-13 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:
THEY CONTINUE TO REORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG 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 2025-01-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX  / XXXX 2. XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I initiated a balance transfer with a Barclays agent. The agent read the credit card number back to me and it was correct. However, after weeks of the transfer not reflecting on the card that I transferred the balance from, I called Barclays and they admitted that the account number they sent to was one digit off. They opened a case and said they needed to investigate. Its been weeks and I still have the balance in my original card, now I also have it on my Barclays card and Im paying interest on it in both places. Ive made multiple phone calls and agents say that the case is still pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
My Name is XXXX XXXX, and I am formally writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
This letter serves as a formal request to investigate and correct the following inaccurate items in compliance with the statutory requirements outlined in the FCRA. 
Furthermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S. Code 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report Please address this matter promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX in XXXX I fell behind on credit card bills, I have - XXXX yr old child, I pay out of pocket for daycare $ XXXX monthly depending on the month Ive reached out via chat every month to try and get fees waived and lowered payments. The only plans Best Buy had would close your card. I have had this card for a decent length of time and I know credit age is important. In the coming years I would like to purchase a house and this is going to mess me up. Even when I make the payment amounts to keep the card open, they would report my payments as late. Now I understand it wasnt the full payment amount but I physically spoke with their agents who scheduled the payments just for me to still get late payments added to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AR

Complaint narrative:
They have accounts opend when I was XXXX  XXXX  and my data was effect by the XXXX data breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
I recently review a copy of my credit report i had fraudulent account on my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
Identify theft XXXX XXXX  someone used my personal information to obtain a credit card from XXXX XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
Identify theft XXXX XXXX  someone used my personal information to obtain a credit card from XXXX XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Identify theft XXXX XXXX  someone used my personal information to obtain a credit card from XXXX XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year> 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