vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicer under contract with Federal Student Aid
State: AR

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint regarding an account listed on my credit report as Department of Education/XXXX with the account number ending in XXXX.

Description of the Issue : 1. Balance Discrepancy : The reported balance of {$23000.00} does not align with my records and appears inaccurate.

2. Payment History Issue : The reported payment history contains inconsistencies and does not reflect the actual status of my account.

3. Account Status Discrepancy : The status indicates Deferred payments begin XX/XX/year>, yet there are conflicting records showing ongoing account activity. 

Actions Taken : On XX/XX/year>, I sent a dispute letter directly to the Department of Education/XXXX requesting validation and correction of these discrepancies under the Fair Credit Reporting Act ( FCRA, Section 611, 15 U.S.C. 1681i ).

Despite submitting this request over 30 days ago, I have not received a response, validation of the debt, or any resolution to this issue. 
I have also contacted other consumer reporting agencies to address these inaccuracies, but no verification or resolution has been provided. 
Requested Resolution : Under the FCRA, I am requesting : 1. A thorough investigation into the accuracy of this account.

2. Documentation validating the accuracy of the reported balance, payment history, and account status.

3. Immediate correction or removal of inaccurate information from my credit report if it can not be verified.

I have attached relevant documentation supporting my claim, including copies of my dispute letters and highlighted sections of my credit report showing the inaccuracies.

Thank you for your time and attention to this matter. I look forward to a prompt resolution and a formal response from both the CFPB and the Department of EducationXXXX regarding this complaint. 

Sincerely, [ Your Full Name ] Enclosures : Copy of dispute letter sent to Department of EducationXXXX Highlighted credit report showing the discrepancies

Company response to consumer: Untimely response
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance 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 explanation
Consumer complaint received 2024-12-29 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: IN

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and misleading information being reported on my credit report by Experian. Specifically, I am addressing issues with a XXXX XXXX  account that is reporting in violation of credit reporting regulations. The following inaccuracies are causing significant harm to my credit score, and I am requesting immediate action to correct or remove these entries. 

XXXX. Re-aged Account The XXXX XXXX  account is being reported with a re-aged date, which is a violation of credit reporting standards. This account should reflect its original date of delinquency and not a re-aged or altered date. This deliberate misrepresentation is harmful to my credit profile, and I demand the immediate removal of the re-aged date. 

XXXX. Balance on Closed Account The XXXXXXXX XXXX  account is also showing a balance despite being closed. A closed account should not reflect any outstanding balance. This inaccurate information is misleading and must be corrected immediately by removing the balance reported on this account. 

XXXX. Account Showing as Over the Limit The same account is incorrectly reporting as over the credit limit, despite being closed. A closed account should not be subject to over-limit reporting, and this misrepresentation of the accounts status is not only misleading but also unlawful. 

These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete. The continued presence of these errors is damaging my credit score and may have broader implications on my financial well-being. 

I request that Experian immediately investigate and correct the reporting of this XXXXXXXX XXXX account. The re-aged date must be removed, the balance on the closed account must be eliminated, and the over-limit status must be corrected to accurately reflect the closed status of the account. If Experian is unable to correct these inaccuracies, I request that they be removed entirely from my credit report. 

Please acknowledge receipt of this complaint and confirm the actions taken to resolve these issues. I trust that the CFPB will assist in ensuring that my credit report accurately reflects my financial history and that these discrepancies are resolved promptly. 

Thank you for your attention to this matter. I look forward to a timely 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
Consumer complaint received 2024-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
I took about a loan from Onemain financial for a dirt bike back in XXXX XXXX XXXX The amount was XXXX and something. A few weeks prior I lost my job and the insurance on the loan never kicked in. So I struggled to make the payments. I keep trying to pay and couldnt maintain. Onemain sold my debt and another company was harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
Dear SoFi Bank, I am writing to express my serious concern regarding your handling of a dispute I filed on several denied claims concerning unauthorized or incorrect transactions on my accoun. 

Despite submitting all the necessary documentation and providing clear evidence to support my claim, I was informed that the dispute was either denied or delayed without proper justification within the required timeframe of fewer than 48 hours. This delay and subsequent denial directly contravene your obligation to provide timely responses under federal regulations, specifically the Electronic Fund Transfer Act ( EFTA ) and Regulation E guidelines for dispute investigations. 

The following points illustrate my concerns : Failure to Respond Timely : My dispute was submitted on several dates, and I was assured that it would be addressed promptly. However, as of XX/XX/year>, no action has been taken or communicated in a timely manner. 
Dismissal Without Proper Investigation : Your denial appears to lack adequate explanation or supporting evidence, leaving me to question whether my claim was properly reviewed. 
Violation of Consumer Protection Standards : As a customer, I have the right to expect due diligence in handling legitimate disputes, especially when they involve potential financial fraud or errors. 
The transactions in question are clearly unauthorized, as I provided evidence showing I did not make the charges, I had never done business with XXXX, and several merchant charges happened online. I request an immediate and thorough review of my case, along with a detailed explanation of your investigation process and the reason for the denial or delay. You have restricted my bank account of an XXXXXXXX XXXX XXXX XXXX without just cause. You have tarnished this nations reputation by your actions Failure to address this matter promptly will leave me no choice but to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. I value my relationship with SoFi Bank and hope this matter can be resolved amicably and efficiently. 

Please respond to this complaint within 24. You may contact me at XXXX or email if further information is required. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been unable to use multiple Amex prepaid cards at multiple locations. Transactions have been declined at all of the major US retailers I have tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Flagship Credit Acceptance has " closed '' and " written off '' {$17000.00} and has not sent me a form 1099-C as of XX/XX/year>. I am asking for my 1099-C or that this debt will be totally removed from my credit report with all three bureaus. This is considered fraud, I will report this to the IRS and file a lawsuit. I have sent this company a certified letter with no 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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-12-29 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: CO

Complaint narrative:
To whom may concern I have been trying to clear my credit up for yrs now and just now finding out there are negative items effecting my credit im reaching out because Ive paid accounts closed accounts and yet they still are on my report there are too collection account that have been bought by debtors why havent I received my 1099 they written the debt of as payed cause they were paid what ever third party deal they got goin on Im not involved prove validation my signature on contract owing the exact balance date of delinquency how much it truly is and the date it was open so I can see all charges that have been added also the amount of negative remarks on my account are only hurting me not helping pls delete permanently so can move forward with life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
The company failed me. As a consumer, the manager ignored the law. The disclosures were not set conspicuously and they ignored the principal request to assert the credits and the application appropriately. The consumer was conhersed, intimated, and pursuaded to as other than a beneficiary. The SSN social security number provided serves as the full faith and credit confirmation through the U.S. acting through the United States Treasury to settle the debts. The law has not changed. They did not balance the books lawfully and then claimed the credit through aquisition and repossessed the vehicle when the application served as collateral. The vehicle is the asset. The application was submitted and consumer was also forced to sign the application electronically with not rights reserved because the threat of not fulffiling the offer was on the table. Now after theft and collection of credits, consumer is currently left with a defemation of character as if there are no credits or applcaiton fulfillment. The ability of fulfillment of every credit / consumer obligaion is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ credit report. Disgrace to commerce. Unacceptable in law. The consumer is the original creditor, tricked and cohersed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
( FCRA LAWS ) My information was exposed in a data breach. Also, I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and the merchants. 
This is a final attempt to resolve. I would like this matter resolved permanently and immediately. Please notify all reporting agencies and merchants. Restore all maximum credit reporting scores to the maximum score IMMEDIATELY and within 30 days of this notice. 

***File attachments were not able to be uploaded below.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: MS

Complaint narrative:
I have not received any notification from your company in regard to the alleged debt. I only discovered it because it was added to the following credit agencies ( XXXX, XXXX ). I am requesting an accurate verification of this debt. See the attached document for this submitted complaint. Please do not hesitate to send the requested information to the email address listed on the document. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Im being charged way more than what the loan originally was

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$500.00}.

This is a violation of requisite XXXX  Complaint reporting standards. 

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all XXXX  reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Tried to use American Express gift card at multiple retailers and card was declined. Contacted customer service at amex and they would not provide a list of retailers that I could use their card at. This renders my gift card essentially useless. 

-Purchases declined : XX/XX/XXXX : airline tickets at XXXX XXXX XXXX XXXX separate purchases from XXXX XX/XX/XXXX : another purchase from XXXX XXXX online purchase from XXXX American Express would charge me a penalty of {$0.00} per transaction denied even thought they were the ones who denied the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One approved and opened different credit card account with different card benefits that I applied for. I applied for XXXX credit card with card benefits of {$200.00} cash bonus and promotional 0 % APR for purchases and balance transfer. Capital One opened and sent me XXXX credit card without these benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX 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 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 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

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 2024-12-29 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: NC

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.

Account 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 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 explanation