vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
I signed a settlement agreement to make payments on a monthly basis on XXXX XX/XX/year>. The settlement was {$1900.00} to be paid over 12 months starting in XXXX. I spoke to a XXXX XXXX : I made the payments. As of today, the lender continues to report the account as delinquent and has notified me they are threatening to charge off the account. This is despite the agreement already reached and the payments made. The letter received states if it is not paid in full by XXXX XXXX then it is charged off. I am at a loss. I have made agreements and spoken to agents, yet the loan continues to be reported incorrectly and I continue to be harassed. I am confused as to if I continue to pay according to the settlement agreement or is that being retracted by the company?

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 2025-01-06 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:
I am writing to formally dispute inaccurate information being reported on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. XXXX is reporting a charge-off for an account listed as " XXXX  XXXX '' with the account number XXXX. This reporting is not only incorrect but also violates the consumer protections outlined in the FCRA. 
Specifically, a charge-off can not be reported on a monthly basis after the initial charge-off event. The continued reporting of this charge-off as though it is recurring creates an inaccurate and misleading depiction of my creditworthiness. This is a clear violation of the FCRAs provision requiring accurate and complete information in consumer reports. 
Under 15 U.S.C. 1681e ( b ), XXXX is obligated to maintain and report accurate information. The continued reporting of this charge-off beyond the permissible bounds of accuracy constitutes non-compliance with federal law. I demand that this account and the associated charge-off entry be permanently removed from my credit report within four ( 4 ) days of your receipt of this letter.

Should you fail to act promptly, I reserve the right to pursue legal action under the FCRA for damages caused by this inaccurate reporting. Consumers are entitled to statutory damages of up to {$1000.00} per violation, along with actual damages, court costs, and attorneys fees as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.

This matter requires your immediate attention. Please confirm in writing that this account and its associated charge-off have been permanently removed from my credit report. You may send your response to the address listed above or via email at [ Your Email Address ]. 
Failure to comply with this request will leave me no choice but to escalate this matter through legal channels and file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 
Thank you for your prompt cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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 am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : 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 XXXXXX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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 2025-01-06 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: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXX 's XXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXX 's XXXX. I have discovered XXXX accounts that I did not open, and I believe my personal information has been compromised. Details of the Fraudulent Accounts : XXXX. Account Number : XXXX Date Opened : XX/XX/year>2023 Balance : {$1800.00} XXXX. Account Number XXXX Date Opened : XX/XX/year>2023 Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXX 's XXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. I am requesting that XXXX 's XXXX take the following actions : XXXX. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, TransUnion ). XXXX. Provide me with written confirmation that the accounts have been closed and removed from my credit history. In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXX 's XXXX regarding this matter. Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. Sincerely, 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute late payment entries on my credit report. My credit report indicates that I have late payments reported by many different accounts.

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 2025-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
In total, over XXXX XXXX dollars were paid to Navient after they bullied me into paying them off constantly changing their payment agreements. I am no longer able to login into their website and check the amounts I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the items be investigated to correct the information Below are the items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
On XX/XX/year>24 I contacted Wakefield & Associates to settle my debt. I was adviced I had XXXX balances which I settled for total of {$590.00} for which debt was going to be removed from my credit report and was supposed to received a paid in full letter. In XXXX the company continued to report the debt and I havent received letter either. I contacted XXXX to dispute on my behalf and their results were no response received from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I paid Lexington Law firm to preform a service and they did not

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-06 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-06 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute is listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : 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 2025-01-06 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: MI

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate and misleading reporting of a XXXX account XXXX on my credit report. Both XXXX and Experian have failed to address the specific violations under the Fair Credit Reporting Act ( FCRA ) despite my efforts to resolve this issue directly with them. 

The account in question is closed, yet it is inaccurately reporting as having a current late payment. This constitutes illegal re-aging of the account and is a direct violation of the FCRA, specifically : FCRA Section 623 ( a ) ( 5 ) : Furnishers of credit information must ensure accurate reporting of account statuses. Reporting a current late payment on a closed account violates this requirement. 
FCRA Section 605 ( a ) : Credit bureaus are prohibited from reporting information in a way that is misleading or incomplete.

FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct reasonable investigations into disputed accounts. 
Despite my formal disputes, XXXX and Experian have maintained that the information is accurate without properly addressing the illegality of reporting late payments on a closed account. This failure to perform a reasonable investigation has caused harm to my creditworthiness and financial standing. 

I request that the CFPB investigate the following issues : XXXX and Experian 's failure to conduct reasonable investigations into my disputes under FCRA Section 611. 
XXXX XXXXllegal re-aging of the account and continued furnishing of inaccurate information. 

The continued reporting of this inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this account from my credit reports and enforcement actions against the responsible parties. 

Thank you for your attention to this matter. I look forward to receiving a response confirming that this issue is being investigated and resolved.

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: NC

Complaint narrative:
Ill filing a complaint because this company has put two hard inquires on my credit report and I only got added as a authorized user to a XXXX XXXX credit card on XX/XX/year> the first week of XXXX of last year and never got removed ive tried to contact this company through calling, and letters and us bank is ignoring me and will not remove the inquiry dated from XX/XX/year>. Which is not mine, but it shows on my credit report and its affecting my ability to apply for things and affected my score. Also, I have an account with them as the authorized user. Ending in XXXX & I recently went to the us bank branch to get a document notarized, and I was discriminated against I was told if I only have a credit card thats not consider business with us bank because its not considered as a account and I will have to open up another account and get approved but only if I get approved for a different type of account, I can then get a notary very bias because their website states all you have to do is be a customer to get something notarized I also made two purchases on this account for two different companies XXXX XXXX and XXXX and it was declined this account is getting blocked from making certain purchases to were purchases will go through then the funds will get returned. I called and is bank told me it was an issue with the online merchant website and That their not the ones keep returning the payment so its very sad. I have to have a credit card in which I have to play games with to use I can only use this card for certain things because U.S. Bank has a fraud /flag on the account preventing me from making purchases automatically even when I call to verify myself. Every time a purchase dont go through. I call customer service and they leave me hopeless or I get we dont see anything wrong Why would somebody have a card that they can not use fully? They also treat authorize users over the phone very disrespectful. I believe the calls on this account in particular should be pulled because one minute they honor authorize users and the next minute us bank gets rude, unprofessional on the phone shouldnt a authorize user be able to call and access certain details and what not they tell me that the account holder has to call in

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 2025-01-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX  account has been charged off in XX/XX/year> and should show as closed status on credit report. Account is showing as open and currently reporting months of charge-off status. This is negatively affecting my credit and eligibility for future credit and is a violation of my rights. 

This account reporting is violating The fair credit reporting act states under : Section 1681e ( b ) Accuracy of Information - Credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in consumer reports. If the charge-off is being reported inaccurately, this may be considered misleading or inaccurate.

Section 1681s-2 - Responsibilities of Furnishers of Information The lender ( or creditor ) must provide accurate information to credit reporting agencies. Repeatedly reporting the charge-off each month may violate their obligation to ensure that the information they furnish is correct. 

Additional violations : Re-aging of Debt Misleading 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 2025-01-06 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: IL

Complaint narrative:
To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 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 non-monetary relief