vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.

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 2024-10-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: SC

Complaint narrative:
On Thu, XX/XX/XXXX at XXXXXX/XX/XXXX I hired XXXX XXXX Debt Specialist with National Debt Relief to help me with a way to get mt debt under control. I had got over my head with personal loans. so, I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. and was to pay them on Draft Date Draft Amount Status XX/XX/XXXX {$460.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} Also includes with this was XXXX XXXXwhom I entered into an agreement on a payment schedule of XXXX - XXXX Current Balance Owed to Creditor - {$8700.00} Proposed Settlement Offer - {$6300.00} Number of payments - XXXX Monthly Payment XXXX XXXXXX/XX/XXXX$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} Total Savings - {$2400.00}. on XX/XX/XXXX I was served a summons to be in civil court at XXXX XXXX, South Carolina, because I was being sued by XXXX XXXX. I received this email from my Attorney : To : XXXX XXXX, This is to inform you that XXXX Has gotten a JUDGEMENT against me and my wife XXXX XXXX, on XX/XX/XXXX. I received a notice of JUDGEMENT on XX/XX/XXXX. I thought your office had an agreement with XXXX to make payments and I did not need to show up for the hearing on XX/XX/XXXX XXXX. SEE FOLLOWING NOTICE. 

On Thursday, XX/XX/XXXX at XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX wrote : Dear XXXX XXXX XXXX Our office represents you in your XXXX matter that is currently in litigation. I am the paralegal assigned to your case. 

Please be advised that you DO NOT need to attend your court hearing on XX/XX/XXXX. 

Please do not hesitate to reach out to myself or your attorney for confirmation or clarification. Our office hours are : Monday - Friday XXXXXX/XX/XXXXto XXXX XX/XX/XXXX Thank you in advance for your prompt attention to this matter. 


Respectfully Yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX, NY XXXX Local Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted 30+ days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: MI

Complaint narrative:
National Commercial Services continues to request payment for a debt that is not owed. They had previously closed the account and sent it back to XXXX XXXX XXXX but have opened it again because XXXX falsely claims that we were willing to pay the XXXX deductible they are trying to collect for damage to one of their vehicles. I have never agreed to pay this deductible. When the account was closed by XXXX in XXXX of 2023 I was told by XXXX that the issue was resolved. 

We do not dispute the accident. At the time of the accident we notified the police and insurance info was exchanged. Multiple mistakes were made by XXXX in their attempt to pursue this claim. Including but not limited to- false identification of the drivers involved in the accident, a lengthy delay in reporting the claim, false statements by multiple representatives from XXXX that the issue was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over XXXX days ago, I have not received a response, and I have not been provided with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-10-29 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: PA

Complaint narrative:
I was shocked to see unfamiliar accounts on my credit report today, and I have no idea how they got there. I check my report regularly, but this time, unexpected discrepancies appeared. I even tried refreshing the page, hoping it was a glitch, but nothing changed. Im deeply concerned and requesting that the documents Ive sent be reviewed thoroughly so I can put this worry behind me for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have tried to contact the company who filed a judgement against my wife due to an unpaid credit card. The judgement resulted in a lien placed against my property. My wife passed away in XXXX  and I did not sign for or benefit from the credit card. Each time I tried calling the creditor I only get voicemail. I have left several messages for them to call me, but I have never received a response.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: PR

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry on my credit report. I reviewed my credit report and noticed an inquiry from : XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX - XX/XX/year> This inquiry was made without my permission, and I believe it is either a mistake or fraudulent. 

According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this inquiry and remove it from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your assistance.

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 2024-10-29 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: KS

Complaint narrative:
I am showing a debt amount owed to Account Resolution Corporation for an XXXX utility bill. I currently have open accounts with XXXX with a {$0.00} balance that was paid in full to XXXX confirmation number XXXX. XXXX confirmed this was paid in full directly to them and I have disputed directly with Account Resolution Corporation who refused to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
well fargo refused to show the debit i was in XXXX XXXX XXXX XXXXXXXX and they kept billing me and i ask for paperwork they refuse to help

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 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a complaint concerning the handling of my Borrower Defense refund following a series of loan transfers, starting with Nelnet. My loans, tied to my attendance at XXXX XXXX XXXX, were initially serviced by Nelnet, then consolidated and transferred to XXXX, and ultimately to XXXX before discharge. Under the XXXX XXXX XXXXXXXX settlement, I am entitled to a refund of {$46000.00} for payments made on these XXXX loans, but despite the discharge being completed, I have not received my refund. 
Each servicer involved has lacked clarity about who is responsible for initiating my refund, leading to delays and confusion. 

Given that Nelnet was the initial servicer, I request the following be addressed : XXXX. Confirmation of Nelnets actions in the loan transfer process with respect to Borrower Defense cases. 
2. Verification of any steps Nelnet took to facilitate my refund prior to the transfer of my loans to XXXX. 

Details : Borrower Defense Application Number : XXXX XXXX Complaint Number : XXXX The repeated transfers and lack of communication have caused significant frustration. I am seeking CFPBs assistance to ensure that Nelnet, as well as the subsequent servicers, fulfills its responsibilities in processing my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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