vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
On the XXXX of XXXX, 2024, I was notified by Experian of a decline in my credit score. Upon reviewing my account, I discovered that XXXX had marked my loan as 60 days overdue. I promptly contacted XXXX to rectify this error, as I am no longer legally bound to repay this debt due to the protections afforded to me by the Consent Judgment issued by the state of New Jersey. Despite my explanation, XXXX representatives incorrectly insisted that I was mistaken and continued to insist on repayment. 

Throughout our conversation, XXXX representatives made false and misleading assertions, claiming that I was ineligible for debt relief because the loan did not meet the necessary criteria, including a lack of seven consecutive missed payments. These claims were not only untrue but also intentionally deceptive. 

According to the Final Consent Judgment, XXXX committed to canceling certain private student loans, provided they met one of three specified criteria. My loan falls under Category 3, the Non-Traditional criterion, which includes loans disbursed to borrowers with a FICO score below 640 at the time of origination for attendance at a public or private non-profit educational institution. 

At the time of my loans origination by XXXX, my FICO score was indeed below 640, and I was enrolled in a public educational institution, thus qualifying for forgiveness. 
Moreover, XXXX official disclosures state that loans are written off after 120 days of delinquency. Contrary to this policy, my credit report indicates that my loan was delinquent for seven months without being charged off. This discrepancy not only demonstrates a failure to adhere to their stated policies but also constitutes a significant misrepresentation in their financial statements regarding their charge-off timeline. 

The combination of XXXX falsehoods, misleading statements, and unwarranted demands for payment constitutes a blatant breach of the Final Consent Judgment.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation
State: OK

Complaint narrative:
world sold debt to XXXX XXXX XXXX XXXX, THEN TO XXXX XXXX AND FINALLY LEGAL COUNSEL FROM XXXX SENT LETTER ATTACHED, CANCELLING DEBT AND REMOVING FROM ALL CRAS. XXXX AND XXXX RE-INSERTED THIS TRADELINE AND REFUSE TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-01 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 2024-08-01 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: MA

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: IA

Complaint narrative:
I recently checked a copy of my credit report and I noticed a fraudulent account and this is affecting my ability to get credit, I need you to please delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this 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 non-monetary relief
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-01 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TN

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 U.S.C. 1681. 



XXXX XXXX  Account number # XXXX XXXX XXXX Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ( XXXX ) Account number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account closed XXXX XXXX XXXX  XXXX Account needs to be removed ( Paid ) -I was unable to receive the full account number but it is on my credit report. 

XXXX XXXX XXXX - I was unable to obtain the full account number but it is listed on my account. 







15 USC 1681 ( s ) ( 2 ) 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.

15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 Section 604 ( A ) section 2 : XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 c ( 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 anecdotes the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) States 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.

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals to whom the report relates. 



Due to these inaccuracies, this has disabled my ability to purchase a home at a reasonable interest rate, buy a car at a reasonable interest rate, and obtain a credit card above a limit of XXXX i want compensation and i do have proof of the harm these errors have caused pain and suffering in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: TN

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 U.S.C. 1681. 



XXXX XXXX  Account number # XXXX XXXX XXXX Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Account number : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Account closed XXXX XXXX Acceptance XXXX Account needs to be removed ( Paid ) -I was unable to receive the full account number but it is on my credit report. 

XXXX XXXX XXXX - I was unable to obtain the full account number but it is listed on my account. 







15 USC 1681 ( s ) ( 2 ) 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.

15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 Section 604 ( A ) section 2 : XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 c ( 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 anecdotes the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) States 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.

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals to whom the report relates. 



Due to these inaccuracies, this has disabled my ability to purchase a home at a reasonable interest rate, buy a car at a reasonable interest rate, and obtain a credit card above a limit of XXXX i want compensation and i do have proof of the harm these errors have caused pain and suffering in my life.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX v. XXXX, XXXX XXXX  XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. 

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. 

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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 recently reviewed a copy of my credit report and noticed several inaccuracies. These unauthorized accounts are hurting my ability to obtain credit as I am in the process of trying purchase a home for my family. It is my understanding that you will investigate these items to ensure accuracy and remove all fraudulent accounts from my credit report. Here are the other items as well, I am asking you to verify as accurate : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: MD

Complaint narrative:
I am a victim of identity theft and fraud in credit card schemes ( unauthorized opening of credit cards ). I wrote the CFPB previously in XXXX and XXXX regarding my identity being stolen and credit cards opened in my name. I had also informed the original companies of the credit card issuers before they sold the account. The following debt collector companies ( who I do not know and have never had any financial agreements ) have also placed on my credit report that I opened recent accounts with them, as early as XXXX. This is not true. They have knowingly placed false information on report. I disputed these companies in XXXX and XXXX and they continue to illegally and unethically place new " open '' accounts on my credit report. I have asked XXXX, XXXX, and XXXX, in XXXX, XXXX, and in XXXX ( by electronic dispute and over the phone dispute ) to remove the accounts from my credit report and had informed them of my identity theft. I also told them that I had no knowledge of the companies. And no affiliations of the companies. I asked that they note this on my credit report. I had also previously signed up with all 3 credit reporting agencies in blocking future credit inquiries, however, the companies have now unblocked my accounts and have allowed unauthorized credit inquiries and statements on my report. I am requesting that XXXX, XXXX, and XXXX remove the following companies from my credit report due to identity theft and unethical practices of placing false information on my report. Please remove : LVNV Funding, LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: CA

Complaint narrative:
Hello and good day! I want to let you know that I'm serious in this complaint, my rights as a consumer is being violated as there are discrepancies on my credit report that seriously needs attention. These inaccuracies are gravely holding back my abilities in achieving financial freedom and getting approved for new credit. This is absolutely frustrating and affecting my overall well-being negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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:
THEY ARE CONTINUING TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS EVEN AFTER BEING NOTIFIED. THESE ACCOUNTS ARE NOT MINE.THEY HAVE INACCURATE ACCOUNTS ON 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 2024-08-01 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 delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 2024-08-01 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: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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