vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-13 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from 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 2025-01-13 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX RE : DISPUTE OF INACCURATE INFORMATION CHARGE-OFF ACCOUNT To Whom It May Concern, I am writing to formally dispute the accuracy of information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing a charge-off account listed with the following details : ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE REPORTED : {$12000.00} This account is inaccurately reported, and I believe it should be removed for the following reasons : 1. Lack of Proper Verification ( 15 U.S.C. 1681e ( b ) ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information contained in credit reports. This account has not been properly verified as accurate or complete. I never received a 1099-C form, which is required when a debt is canceled or forgiven. Without this form, the debt 's status is questionable and may be inaccurately reported.

2. Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the reporting agency must reinvestigate any disputed item and promptly delete or modify the information if it can not be verified as accurate. I am requesting a reinvestigation of this account, and if it can not be verified, it must be removed from my credit report. 

I request that you : Investigate this matter in compliance with the FCRA. 
Provide documentation verifying the accuracy of this account or delete it from my credit report. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 

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 2025-01-13 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Subject : Urgent Complaint Regarding Reappearance of Bankruptcy on Credit Report I am writing to lodge a formal complaint regarding a recent issue with my credit report that has caused significant distress and financial inconvenience. Despite having successfully declared bankruptcy in XXXX  and subsequently having derogatory information related to a mortgage company 's erroneous report removed after intervention by XXXX, I am dismayed to find that XXXX has re-reported the same bankruptcy status. 

This re-reporting is not only unjustified but also illegal under consumer protection laws. The mortgage company responsible for the initial error has already acknowledged and corrected their mistake, yet I am now unfairly burdened with the consequences of this reappearing bankruptcy on my credit report. This situation is causing undue hardship as it affects my financial credibility and potentially undermines my ongoing financial commitments. 

I request immediate action to rectify this error and remove the erroneous bankruptcy status from my credit report without delay. I urge XXXX to investigate this matter thoroughly and take swift corrective measures as required by law. Additionally, I request confirmation in writing once the correction has been made and assurance that such errors will not recur in the future. 

Please acknowledge receipt of this complaint promptly and provide a timeline for resolution. I look forward to your swift action in rectifying this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : Urgent Complaint Regarding Reappearance of Bankruptcy on Credit Report I am writing to lodge a formal complaint regarding a recent issue with my credit report that has caused significant distress and financial inconvenience. Despite having successfully declared bankruptcy in 2021 and subsequently having derogatory information related to a mortgage company 's erroneous report removed after intervention by XXXX, I am dismayed to find that XXXX has re-reported the same bankruptcy status. 

This re-reporting is not only unjustified but also illegal under consumer protection laws. The mortgage company responsible for the initial error has already acknowledged and corrected their mistake, yet I am now unfairly burdened with the consequences of this reappearing bankruptcy on my credit report. This situation is causing undue hardship as it affects my financial credibility and potentially undermines my ongoing financial commitments. 

I request immediate action to rectify this error and remove the erroneous bankruptcy status from my credit report without delay. I urge XXXX to investigate this matter thoroughly and take swift corrective measures as required by law. Additionally, I request confirmation in writing once the correction has been made and assurance that such errors will not recur in the future. 

Please acknowledge receipt of this complaint promptly and provide a timeline for resolution. I look forward to your swift action in rectifying this serious matter. 

Sincerely, 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 2025-01-13 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MOHELA
State: CO

Complaint narrative:
I applied to be moved from the SAVE plan to the PAYE plan on XX/XX/XXXX. The department of education said these types of requests could start beginning on XX/XX/XXXX, but mine still has not been processed. Further, they are supposed to automatically put borrowers into a 60 day processing forbearance when they are changing plans, which Ive requested over the phone and in writing, but which still has not happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Momnt Technologies, Inc.
State: IL

Complaint narrative:
Fraud by MOMNT, I received a letter from MOMNT demanding money for loan payment on account dated XXXX Ive XXXX heard about MOMNT nor XXXX XXXX  before, XXXX had any contacts nor XXXX received any money from them. 
Please investigate MOMNT and XXXX XXXX  fraud activities demanding money on bogus loans for {$6500.00}. 

Thank you so much.

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 2025-01-13 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: MO

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint to address the violations and inaccuracies in the reporting of accounts on my consumer report by various companies. These violations infringe upon my rights as a consumer under federal law and have caused me undue harm. Below, I outline the relevant laws, supporting facts, and my request for corrective action. 

1. Collections Violations The reporting of collection accounts on my consumer report violates the following statutes : 15 U.S.C. 1692c : Prohibits improper communication of collection accounts to third parties, including consumer reporting agencies, without proper authorization.

15 U.S.C. 1692g : Requires debt collectors to validate debts and ensure the accuracy of the information furnished to third parties.

15 U.S.C. 1681e ( b ) : Mandates that consumer reporting agencies maintain maximum possible accuracy. The collection accounts listed on my report are unverifiable and inaccurate, requiring their deletion.

2. Violations of UCC 3-203 Under UCC 3-203 , the transfer of an instrument does not vest rights in the transferee if the transferor engages in fraud or illegality. It has come to my attention that the companies furnishing this information have transferred my account ( commercial paper bond ) in the secondary market, which violates the Securities Exchange Act of 1934 and federal law. Such transfers are prohibited without proper negotiation, indorsement, and compliance with legal requirements. The companies have not substantiated their rights to enforce these instruments, rendering their claims and reporting invalid.

3. Violations of Consumer and Investor Rights The inaccurate reporting practices infringe upon my rights as both a consumer and an investor. These companies have acted in bad faith by failing to : Substantiate the validity of the reported debts.

Disclose material facts about the transfer, securitization, or sale of my accounts.

Comply with applicable federal and state laws regarding the handling of financial instruments and the furnishing of information to consumer reporting agencies. These violations have caused significant harm to my creditworthiness and financial standing. I request prompt action to ensure compliance with the law and the restoration of accurate information on my consumer report.

Thank you for your attention to this matter. I am available to provide any additional information or documentation required for your investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I believed the economy was challenging, but after reviewing my credit report, its evident that the inaccuracies there are far worse. My report is filled with incorrect information, which is causing me immense stress and frustration. Its deeply disheartening to deal with this, especially when these errors are affecting my credit score so severely. The situation feels overwhelming, and I cant help but feel defeated knowing that even seeking professional help for the stress would be impossible, as my cards might be declined due to the damage caused by these inaccuracies. As a consumer, I have the right to an accurate credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2025-01-13 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: SC

Complaint narrative:
I haven't received my payment for having services with Lexington Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I believed the economy was challenging, but after reviewing my credit report, its evident that the inaccuracies there are far worse. My report is filled with incorrect information, which is causing me immense stress and frustration. Its deeply disheartening to deal with this, especially when these errors are affecting my credit score so severely. The situation feels overwhelming, and I cant help but feel defeated knowing that even seeking professional help for the stress would be impossible, as my cards might be declined due to the damage caused by these inaccuracies. As a consumer, I have the right to an accurate 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 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My loan is through XXXX XXXX. This is the first action in this process. The truth in lending disclosure that I was provided by the lender discloses a grossly inaccurate XXXX or XXXX XXXX. If the disclosed XXXX is correct then the finance charge is understated ; or if the disclose finance charge is correct then the disclosed XXXX is overstated. The XXXX year XXXX payment loan term began XXXX XXXX XXXX The disclosure lists XXXX at 15.58 %, XXXX XXXX at {$15000.00}, Amount Financed at {$28000.00}, and monthly payments at {$600.00}. When I plug in the numbers I get 9.26 % XXXX. This error is far outside allowable tolerances. If this transaction was closed then the lender committed a crime, and if the transaction has not closed I have been deceived by the lender and I rescind the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief