vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Bank XXXX, XXXX XXXX Bank XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries 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 Committee on accuracy 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  Date Opened XXXX XXXX Balance {$100.00} - Au - late/closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
In XX/XX/year> I submitted documentation to verify my employment to update my payment counts for XXXX. I received correspondence that my forms were pending receipt of missing information which was a signature- I have checked what I uploaded and signatures are present. I called and was told this is an error and just to wait. The agents have all said these arent truly accurate- not appropriate to have inaccurate documentation within a loan. Online it says I should have these documents reviewed in XXXX weeks. I called multiple times since then and filed complaints ( which included requests for them to contact me ) which were closed without contacting me. I resubmitted my forms. They again said they are missing signatures. As of XX/XX/year> they are in review, stating I need to provide signatures which are on the documents, and it says they would be processed in XXXX weeks. Overall I have been waiting since XXXX for my forms to be updated. 
Meanwhile, these counts would put me at the required visit count to have my loans forgiven under XXXX. Instead I am in limbo, waiting, and collecting interest ( they are also in admin forebearance not at my consent ). This is absolutely unacceptable. This servicer has multiple errors and isnt adhering to their own timelines. As the borrower, I would be penalized for not doing what I am supposed to do. Currently I am being penalized for their lack of organization and adherence.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Before Navient transferred to XXXX, they offered the co-signor a waiver without consent of all parties to the promissory note and without confirming the ability of the borrower to pay the loan without the co-signor. This option was no where listed on the application or the website for co-signor release. Nor did the borrower make 12 consecutive monthly payments. 

The borrower agreed to settlement, which Navient offered at a lower amount than what the ended up removing the co-signor with under a waiver behind the borrowers back and without communicating to the borrower and getting agreement. Navient broke the contractual terms of the original loan from XXXX XXXX and has now sent the loan to XXXX with a XXXX XXXX interest rate. 

Navient has violated many federal laws when handling my loan, including the Consumer Financial Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 

As someone on welfare and a single parent, this has detrimentally effected me and Navient knew this because as soon as I was made aware of this, I contacted them several times to inform them I did not agree to this contractual change, but they went forward anyways to get money from the co-signor before transferring the loans to XXXX. 

On top of all of this, this loan would have been part of the Navient XXXX XXXX but for the co-signor they have now removed, and left the loan solely on the borrower that they never confirmed ability to pay to begin with. They did not give the loan solely to the borrower for this reason, but then removed the co-signer knowing the borrower could still not afford it. Lastly, Navient was informed that a court had already told the co-signer he was responsible for this loan, and went forward with their deceptive actions irregardless of the information that they received. Now XXXX services the loans that should be forgiven due to Navient 's unlawful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Money Lion Account : XXXX To Whom It May Concern : I am writing regarding your continued failure to properly verify this alleged debt despite years of correspondence and clear evidence of identity theft. This letter serves as my demand for proper verification under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). HISTORY OF NOTIFICATIONS AND INADEQUATE RESPONSES : Over the past XXXX, I have repeatedly : 1. Submitted police reports documenting identity theft 2. Provided FTC identity theft reports 3. Furnished data breach notification letters 4. Requested specific verification of the debt 5. Disputed this account with both your company and credit bureaus Your responses have been grossly inadequate and potentially in violation of federal law : - You claim verification using an email address you never possessed- You continue sending form letters via email despite instructions for mail correspondence - You provide account statements showing addresses where I have never resided - You show loan documents with only typed names, no signatures- You present payment histories showing zero payments ever made - You fail to provide any government-issued identification matching the loan address -You ignored my identify theft -You ignored my FTC Report- Why was I never Provided copies of ALL original account documents showing my actual signature- Why havent Ive provided how you verified my identity at account opening- Why Havent copies of any government ID collected at account opening been provided - Document how you validated the address used on statements- Explain why you ignored multiple identity theft reports LEGAL REQUIREMENTS FOR VERIFICATION : Under the FCRA and FDCPA, you must provide ACTUAL EVIDENCE 1. A copy of government-issued identification used at account opening that matches the address on statements 2. Original signed loan documents ( not just typed names ) 3. Proof that you verified the identity of the borrower at account opening 4. Evidence that you followed your standard fraud prevention protocols

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Account : XXXX To Whom It May Concern : I am writing regarding your continued failure to properly verify this alleged debt despite years of correspondence and clear evidence of identity theft. This letter serves as my demand for proper verification under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). HISTORY OF NOTIFICATIONS AND INADEQUATE RESPONSES : Over the past 4-5years, I have repeatedly : 1. Submitted police reports documenting identity theft 2. Provided FTC identity theft reports 3. Furnished data breach notification letters 4. Requested specific verification of the debt 5. Disputed this account with both your company and credit bureaus Your responses have been grossly inadequate and potentially in violation of federal law : - You claim verification using an email address you never possessed- You continue sending form letters via email despite instructions for mail correspondence - You provide account statements showing addresses where I have never resided - You show loan documents with only typed names, no signatures- You present payment histories showing zero payments ever made - You fail to provide any government-issued identification matching the loan address -You ignored my identify theft -You ignored my FTC Report- Why was I never Provided copies of ALL original account documents showing my actual signature- Why havent Ive provided how you verified my identity at account opening- Why Havent copies of any government ID collected at account opening been provided - Document how you validated the address used on statements- Explain why you ignored multiple identity theft reports LEGAL REQUIREMENTS FOR VERIFICATION : Under the FCRA and FDCPA, you must provide ACTUAL EVIDENCE 1. A copy of government-issued identification used at account opening that matches the address on statements 2. Original signed loan documents ( not just typed names ) 3. Proof that you verified the identity of the borrower at account opening 4. Evidence that you followed your standard fraud prevention protocols

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Creditor information XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I would like TransUnion to take accountability for its failure to update my credit file accurately and to stop claiming that the information is accurate when it is not. Over 120 days ago, I sent the same request to all creditors listed, as well as to XXXX, but my file has still not been updated correctly. I have not received an updated response from XXXX or any of the creditors listed. 

I also requested the original contracts as proof from the collection agency representing the original creditor, but I have not received anything. XXXX has overlooked this issue, and they should be held accountable for their lack of response and failure to provide updates. 

I am requesting the removal of the listed creditors due to violations of my rights. Specifically, I ask for all accounts to be deleted from my credit report because they have multiple violations of the Fair Credit Reporting Act. 


Account name : XXXX Account XXXX, XXXXXXXX XXXXI- Account XXXX, XXXXXXXX XXXX- Account number : XXXXXXXX XXXX- Account XXXX : XXXX, XXXX - Account number : XXXX, XXXX Funding - Account XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights.

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 2025-01-12 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: NC

Complaint narrative:
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary XXXX and potential harm to my creditworthiness.

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 2025-01-12 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: NC

Complaint narrative:
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There has been fraudulent accounts made on my consumer report that I have no knowledge off, these are to be removed per 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There has been fraudulent accounts made on my consumer report that I have no knowledge off, these are to be removed per 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting 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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: I.C. System, Inc.
State: PA

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 Commission 's 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This company is falsely reporting on my credit report with inaccurate information impersonating me. I've asked to be removed from this account and off 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is falsely reporting on my credit report with inaccurate information impersonating me. I've asked to be removed from this account and off 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 explanation