vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : * XXXX XXXX : XXXX - PLEASE DELETE ALL ACCON REPORTED IN THE PROBLEM I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 

* Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
* Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 


Under the FCRA, I am requesting : * Immediate investigation into the disputed items listed above. 
* Removal or correction of the inaccurate information. 
* An updated copy of my credit report reflecting these corrections. 

I have attached copies of supporting documentation to aid in your investigation, including : * A copy of my credit report highlighting the disputed items. 
* Documentation supporting my claim of inaccuracy. 


Please conduct a thorough investigation and provide me with a written response regarding the outcome within XXXX  days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP
State: IL

Complaint narrative:
Ther are XXXX ( XXXX ) debts on my credit report that are older than XXXX ( XXXX ) years and despite disputing them, they deny removing them from my credit report. The credit bureaus deny it as well as the companies, which is prohibiting me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
Ther are three ( 3 ) debts on my credit report that are older than seven ( 7 ) years and despite disputing them, they deny removing them from my credit report. The credit bureaus deny it as well as the companies, which is prohibiting me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
My information was a part of the Equifax data breach and XXXX XXXX  data breach please see attachments below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Equifax for its failure to properly investigate my recent dispute regarding inaccuracies on my credit report. Despite providing all necessary documentation and evidence to support my claim, Equifax failed to conduct a thorough and adequate investigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Under the FCRA, credit reporting agencies have a legal obligation to investigate disputes in a timely and accurate manner and correct any errors found. Equifaxs failure to meet these obligations has resulted in continued inaccuracies on my report, causing harm to my financial standing and opportunities. 

I am requesting immediate corrective action, including a proper investigation of my dispute and the correction of any inaccurate information. Additionally, I seek confirmation that Equifax will comply with all legal obligations under the FCRA moving forward. 

Please respond promptly to this complaint and provide a detailed resolution plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
On XXXX I settled two of my charge-off accounts with XXXX XXXXXXXX XXXX XXXX XXXXXXXX had a original balance of {$1900.00} I settled for {$980.00} confirmation # XXXX. Second one had a original balance of {$1900.00} settled for {$960.00} confirmation # XXXX. 

By XX/XX/2024 both settled accounts were properly showing a {$0.00} balance on XXXX XXXX XXXX, not on Transunion. I have sent multiple letters since then to Transunion credit bureau as well as XXXX XXXX, to correct the reported balance on Transunion. There has been no correction or communication from either party. 

I am in the process of obtaining a mortgage & this inaccurate reporting is severally affecting my Transunion credit score in turn affecting my purchasing abilities.

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 2025-01-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Charge Off 's removal ( 15 U.S. Code 1601 ) Late Payments removal ( 15 U.S. Code 1666b ) Experian does not properly investigate disputes and fail to remove or correct errors on my credit report threatening consumers access to credit employment and housing. 
Experian continuously and uncritically accepts the original creditor response to the disputed information even when that response was improper-able and inaccurate.

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 2025-01-29 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:
Account Name : XXXX  Account Number : XXXX Reason : Unverified account Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX. if futher information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union, XXXX, XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im writing a complaint because the agency is continuing to furnish invalid and fraudulent information onto my consumer report without my consent. Ive tried disputing but the agency doesnt accurately investigate. My finances have been damaged, im not able to be approved for anything for the fact that said agency will not cease to furnish inaccurate data onto my consumer report.

According to 15 U.S.C 1681i ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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.

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 2025-01-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Im writing a complaint because the agency is continuing to furnish invalid and fraudulent information onto my consumer report without my consent. Ive tried disputing but the agency doesnt accurately investigate. My finances have been damaged, im not able to be approved for anything for the fact that said agency will not cease to furnish inaccurate data onto my consumer report.

According to 15 U.S.C 1681i ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
Please be advised that I am formally disputing the inaccuracies on my credit report. These errors are negatively impacting my credit score and hindering my access to 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Requested full documentation, with Forward Flow Agreement, never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report. I have never been late on these accounts : Capital One and CreditOne Bank. Capital One has 11 late payments documented that are inaccurate and CreditOne Bank has 7 that are documented and are inaccurate and both accounts have documented these late payments between the times of XX/XX/XXXX and XX/XX/XXXX, XXXX - XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Information was provided that showed a document signed on XX/XX/XXXX of XXXX  with synchrony bank. I did not sign any document on XX/XX/XXXX of XXXX. I did not authorize my signature for any additional item. I did not physically nor digital sign any additional item for my credit credit card.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was told either acct XXXX or other acct has a negative balance due to some fees Ive call several times and rep name XXXX XXXX said I am not obligated to pay however customer service said I need to speak to foreclosed dept to get then removed. I keep gettin contradicting info from several reps Pls contact me to correct issue. 
Your reps are incompetente to fix any issues

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 monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
XXXX transunion and XXXX are illegally and unethically collecting my personal data including my name my addresses my telephone numbers my locations my credit reports DRIVERS LICENSE INFORMATION and selling that information to whomever wants it. MY CREDIT REPORT IS FROZEN AND MY INFORMATION SHOULD NOT BE USED OR SOLD TO ANY PERSON PLACE OR BUSINESS AT ANY TIME. DO NOT SELL TRANSFER OR MARKET ANY INFORMATION ABOUT ME TO ANY DATA BROKER OR ANY PERSON PLACE ENTITY COMPANY AGENCY OR ANYONE PERIOD!! DO NOT SELL TRANSFER OR ALLOW TO ACCESS MY NAME AND MY ADDRESS AND MY TELEPHONE NUMBER!! YOU ARE ENDANGERING ME AND MY FAMILY AND MY PRIVACY BY DOING SO. THE ONLY WANT THAT DATA BROKERS HAVE THIS INFORMATION ON ME IS IF THE THREE CREDIT BUREAUS SOLD IT AND ALLOWED DATA BROKERS AND COMPANIES AND INDIVIDUALS TO ACCESS MY PRIOR ADDRESSES AND PHONE NUMBERS.

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 2025-01-29 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:
XXXX XXXX and equifax are illegally and unethically collecting my personal data including my name my addresses my telephone numbers my locations my credit reports DRIVERS LICENSE INFORMATION and selling that information to whomever wants it. MY CREDIT REPORT IS FROZEN AND MY INFORMATION SHOULD NOT BE USED OR SOLD TO ANY PERSON PLACE OR BUSINESS AT ANY TIME. DO NOT SELL TRANSFER OR MARKET ANY INFORMATION ABOUT ME TO ANY DATA BROKER OR ANY PERSON PLACE ENTITY COMPANY AGENCY OR ANYONE PERIOD!! DO NOT SELL TRANSFER OR ALLOW TO ACCESS MY NAME AND MY ADDRESS AND MY TELEPHONE NUMBER!! YOU ARE ENDANGERING ME AND MY FAMILY AND MY PRIVACY BY DOING SO. THE ONLY WANT THAT DATA BROKERS HAVE THIS INFORMATION ON ME IS IF THE THREE CREDIT BUREAUS SOLD IT AND ALLOWED DATA BROKERS AND COMPANIES AND INDIVIDUALS TO ACCESS MY PRIOR ADDRESSES AND PHONE NUMBERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Agent or Assigns of Jefferson Capital Systems XXXX : I am in receipt of a computer-generated letter from your company, with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do I have a contract with you? If yes, please send a certified copy of the contract that exists between XXXX XXXX and Jefferson Capital Systems XXXX. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g.

Please send me a certified copy of your license to collect a debt in Georgia. If you purchased this as a debt collections device to make money as a debt collector, thank you for paying off the bill. You have XXXX  days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, XXXX XXXX XXXX, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violations. 

Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail to the notary public known as XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for XXXX ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341, 1702, 1703 and 1708.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
My loan has been serviced by Navient Solutions LLC for quite some time. I previously submitted a complaint in regard to their terrible customer service activities. I informed that as a borrower, I trusted Navient to provide me with fair and reasonable loan options that would allow me to finance my education. However, I was offered loans with exorbitant interest rates, far higher than what most consider is fair or justifiable, especially considering my financial situation and creditworthiness at the time. These high-interest loans have placed an undue financial burden on me, making it extremely difficult to keep up with the payments. I believe that Navient took advantage of my lack of experience and understanding of complex financial products to profit at my expense, which is a hallmark of predatory lending. 

My loans were supposed to then be transferred over to XXXX in 2024 for servicing. This has not been the case as my loans are still being considered under Navient Solutions LLC per my credit report. I have XXXX and Navient as a combined entity " Mohela/Navient '' on my XXXX report for all loans. My credit report also still contains old Navient data that was wiped off of the report then readded under the partnership. If Navient has been barred from servicing federal student loans, how are they in partnership with XXXX for the servicing of mine? They have the same mailing address on the documentation of both organizations. This appears to be a covert operation through which Navient is still operating as the student loan holder for these student loans, but are using the name of XXXX to service them legitimately. With XXXX being a primary servicer of federal loans, it would be wise to determine if they have been honest and thorough in their dealings as an organization, especially with Navient being banned from federal student loan servicing. 

Last but not least, I have received an email from XXXX admitting to providing me incorrect loan details in a previous email correspondence and have received very little information from them overall since they supposedly acquired my student loans. They placed my loans on random forebearance and never provided me sufficient information for processing. The entire process is very disturbing and continues to get even more disturbing as time progresses.

Company response to consumer: Closed with explanation