vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the XXXX data breach and i'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} ; XXXX XXXX XXXX - XXXX {$220.00} ; XXXX XXXX XXXX XXXX XXXX - {$890.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$290.00} Inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the XXXX data breach and i'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} ; XXXX XXXX XXXX - XXXX {$220.00} ; XXXX XXXX XXXX XXXX XXXX - {$890.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$290.00} Inquiries ( XXXXXXXX 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 2025-01-11 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: AL

Complaint narrative:
Experian shows negative reinserted items on my credit report that was previously removed. Ive contacted them about this issue and havent got any help also there are tons of inquiries that should have been removed that ive disputed with the rep and was told that they would be removed. Inquiries were removed then next day reinserted

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 2025-01-11 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:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : DEMAND for Immediate Removal of Alleged Late Payments from Credit Report Complaint Details : This is a formal and unequivocal demand for the immediate removal of alleged late payments tied to the following account : XXXX, Account # XXXX Under consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and related legal precedents, transactions and experiences between a consumer and a creditor are not to be reported on credit reports. These alleged late payments are therefore unlawfully being reported. 

Reporting this account with alleged late payments constitutes an illegal act of defamation and misrepresentation, causing undue harm to my credit profile and financial standing. This is a blatant violation of my rights as a consumer, and I will not tolerate this misconduct. 

I am demanding the following : The immediate and permanent removal of the alleged late payments associated with the above account from all credit reporting agencies. 
Written confirmation that these inaccuracies have been corrected and that my credit reports fully comply with the law. 
Failure to resolve this matter promptly will leave me with no choice but to escalate further, including filing additional complaints with other regulatory agencies, issuing formal notices of dispute to all relevant parties, and, if necessary, pursuing legal remedies. 

This issue requires your urgent and immediate attention. I expect a resolution within a reasonable timeframe. 

Thank you for your swift compliance with this request. 

Sincerely, 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I had a loan with Lendmark Financial Services in XX/XX/year> with an interest rate of 25.98 %. In XX/XX/year>, I obtained a loan through XXXX XXXX XXXX XXXX for a much lower interest rate of 7.75 %. XXXX  paid the loan off with Lendmark. Lendmark has now placed a derogatory/negative remark " Settled-less than full balance '' on my account with has greatly impacted my ability to obtain future credit. This remark would insinuate that I had to make a settlement with Lendmark because I failed to make timely payments which is not the case. 
I have a credit denial letter which indicated the reason for denial was a delinquency on an account in last 24 months. None of my accounts have been delinquent ; which is reflected on my credit reports. 
I was told upon loan origination with Lendmark that there would be no prepayment penalties however, this does not appear to be the case in that Lendmark is reporting a negative remark on my credit profile. 
I'm sure that I am not the first client to have been subjected to these unfair and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I attended XXXX XXXXXXXX XXXX in XXXX and at their XXXX XXXX XXXX. However, I only attended the XXXX school for 5 months, and there are loans in my name for longer periods and higher amounts than I initially applied for ; with my father being the co-signer. I never signed any documents, nor did my father. I also, didn't realize that I have been paying these loans for years that were fraudulently attained. I am on XXXX XXXX XXXX XXXX at the moment, so with all the mounting bills I started asking for documents a couple years ago, and was always refused by Navient, and since both school locations are closed I have never received any communication from XXXX. I never authorized or allowed them to apply for loans in my name, and my father was not in XXXX therefore he could never have co-signed any documents to approve the loans. In addition, the same seems to be the case for the XXXX XXXX location. I did not sign documents for loans and I did not take the classes that seem to be attributed to my so called degree. In addition to that my father was never in XXXX XXXX to co-sign documents, as he lived in XXXX  and never visited XXXX XXXX or XXXX during my residence in either location. Navient, pushed me into forbearances that I never requested. I had payments constantly misapplied, so I was always delinquent on my payments according to the company reps, and would have to call monthly or pay late fees. Eventually they began to report these so called delinquencies to the credit agencies, and my father 's credit went from high XXXX 's to the XXXX 's and mine fell drastically as well. As a person who is on SS XXXX, these payments were not feasible to keep up with when false late payments added up. I am not sure how the schools were able to fraudulently get loans in my name and how Navient or Sallie Mae before them allowed these to be paid out, and why they constantly were able to deny my right to see these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
Today is XX/XX/year>XXXX  FRIDAY.I am having trouble with a debt collector that is in Violation of the Fair Debt Collection Practices Act 15 USC 16921692p. LVNV FUNDING LLC needs to follow the FDCPA. Violation of Arbitration Agreement : The debt is subject to a binding arbitration agreement with XXXX XXXXXXXX XXXX XXXX XXXX which has not been honored, constituting a material breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
While reviewing my credit profile, I noticed an unfamiliar debit listed under my account. After careful inspection, I realized it was associated with a charge I did not recognize. As a XXXX  to my father, the account was closed back in XXXX, But I was born in XXXX how could this possible be mine this debit could potentially be tied to my fathers history. I promptly reached out to the company for clarification, explaining the situation and requesting that the charge be removed from my profile receive no response. This false information is harming my credit profile.

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 2025-01-11 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: CO

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-11 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: CT

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.


and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
- I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Funded loan to XXXX XXXX with the project NOT completed. I also have escrow account that has not been released due to incomplete installation. Call to mosaic to inform them- all they offered me was a case number and to take it up with the XXXX XXXX. 

Mosaic case number XXXX Terms and conditions of loan state loan would not be funded until completed installation. 

I would like to have this loan recalled Loan Agreement Number : XXXX I did not authorize the use or release of this loan to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax was contacted by mail and requested to remove all out dated addresses from consumer file. Consumer just moved to a new address. Equifax received a letter with a photo copy of consumers up dated address via drivers license, social security card and a utility bill on XXXX. Equifax willfully and knowingly refused to remove and update the information as asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: MA

Complaint narrative:
I was literally hung up on because it was XXXX oclock and they close at XXXX. Experian is a pain in the XXXX. And im reading all types of news about how they are unethical. 

1. **Failure to Conduct Proper Investigations : ** Under **FCRA 611 [ 15 U.S.C. 1681i ] **, Experian is required to conduct a thorough and independent investigation of disputed items. However, I have reason to believe that Experian is improperly relying solely on furnishers ' responses without validating the accuracy or obtaining supporting documentation. 

2. **Distortion and Mischaracterization of Disputes : ** As highlighted by the Consumer Financial Protection Bureau ( CFPB ), Experian has been accused of distorting, truncating, and mischaracterizing consumer disputes when forwarding them to furnishers. I suspect this may have occurred in my case as well. 

3. **Failure to Ensure Accuracy : ** Under **FCRA 607 [ 15 U.S.C. 1681e ( b ) ] **, Experian must ensure maximum possible accuracy in reporting. Despite my disputes, inaccurate and unverifiable items remain on my credit report, including : - [ List account names and details ]. 

4. **Improper Handling of Reinserted Items : ** Under **FCRA 611 ( a ) ( 5 ) ( B ) **, if a previously removed item is reinserted into a credit report, the consumer must be notified within five business days. I have not received such a notice for [ specific item ( s ) ], yet they reappeared on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I have been told by my bank that they can not open any additional accounts for me because Chexsystems has some sort of fraud alert, freeze, or fraud indicator on my Chexsystems report. I have called Chexsystems are requested they remove any alerts, freezes, indicators or anything else that alerts a bank that I am a victim of fraud and each time I've called they tell me there are no alerts or freezes to remove. I went to my other bank to inquire and they pulled my Chexsystems report as if I were opening a new account and they too told me that they wouldn't be able to because they can't verify my identity because of Chexsystems. Multiple banks are not wrong, this is a problem with something Chexsystems is reporting.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Address XXXX XXXX XXXX needs to be removed from report No knowledge of these accounts XXXX XXXX  closed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not consent to 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 2025-01-11 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: GA

Complaint narrative:
Address XXXXXXXX XXXX XXXX  needs to be removed from report No knowledge of these accounts XXXX XXXX closed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires I did not consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
I sent in a deposit for my late payment and they came back as verified but never got any info on how it was verified and prof of it.

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 2025-01-11 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 sent in a deposit for my late payment and they came back as verified but never got any info on how it was verified and prof of it.

Company response to consumer: Closed with explanation