vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: Synergetic Communication Inc
State: GA

Complaint narrative:
On Friday XXXX XX/XX/XXXX, I received an alert that a collection account was added to my credit report. I immediately logged into my credit monitoring service and noticed that Synergetic Communications had added a collection account in the amount of {$4300.00} to my XXXX and XXXX credit reports. I contacted a representative company who told me that the account was a XXXX account. I told him that I was a current XXXX  customer and that I did not have a XXXX  account in the past and asked him to remove the account. I was then instructed that I must dispute this account and provide information proving that the account was not mine. According to their files the account was opened at an address in XXXX, TN in XXXX. During this time I was on XXXX XXXX in the United States XXXX and did not retire until XX/XX/XXXX. Ive attached a copy of my retirement orders as well as my XXXX showing I was not physically present in TN during this time and that I retired to XXXX, XXXX where I resided until moving to Georgia in XXXX. The reporting of this fraudulent account is causing irreparable damage to my credit and affecting my ability to obtain credit. Im asking that this account information be blocked or deleted from my credit file while fraud investigation is initiated in accordance with FCRA 605B ( 15U.S.C 1681c-2 ). Failure to do so will force me to report your company to the Attorney General and seek civil penalties for not complying with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed this fraud XXXX  account XXXX with Transunion going on 4 months and Transunion lied and said they did an investigation which i found out that they did not.I HAVE SENT A POLICE REPORT FTC REPORT AND letter from XXXX stated that this account don't belong to me. Transunion have violated my fair reporting rights. This fraud account should be removed because its a fraud account and don't belong to me

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 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Once originally purchasing loan I purchased GAP coverage at the dealership. Ally financial repossed my car is was able to redeem car back but was not aware Ally canceled GAP coverage after making payment arrangements fore to redeem car. In XX/XX/year> car was total loss due to flood and I then find out Ally financial cancel coverage and did not apply funds to my loan. I have tried contacting Ally financial for the last 4 months not being able to speak directly with a person to help me with this situation. I keep being told supervisor will contacted nobody calls, send email requests nobody responds. I have now secured copy of funds that Ally received from canceling my coverage that was never applied to loan. Please advise. Worse company ever i will make sure to take to social media along with telling family and friends to never do business with Ally financial!!!!!!!!! Hate i even bothered after all of the stress this company have caused I would rather be without transportation then to have to deal with these type of people!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$420.00} and a mobile account on XXXX XXXX with a balance of {$1500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against 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 2025-01-04 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: NC

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against 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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested the original consumer contract with my signature that you have on file to verify if this debt is accurate. By law you need to DELETE accounts that are inaccurate, incomplete or unverifiable... The company responded with the following actions taken on my credit file : " You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. ONLINE INFORMATION SERVICES-UPDATED XXXX XXXX XXXX. 
. 
. 
Complaint I.D # XXXX ... No original contract was given or sent via mail : account was not verified. Please view 15 USC 1681i and 15 USC1681s-2

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 2025-01-04 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: NC

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Columbia Debt Recovery Address : Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, La. XXXX Dear Columbia Debt Recovery, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TN

Complaint narrative:
I was a victim of the equifax data breach and my identity was used. a Personal loan account was created by XXXX XXXX. This account was opened XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
I initiated my application for Public Service Loan Forgiveness on XX/XX/year>. My previous employer, XXXX XXXX XXXX, verified my employment on XX/XX/year> and that part of my application was processed on XX/XX/year>. 
My current employer, Social Security Administration, verified my employment XX/XX/year>. My employer mailed the verification and I uploaded it to my portal. That part of my application was remained in review well past the estimated timeframe for processing. 
It seemed strange that one part of my application was processed timely but the other part was taking a long time. I called multiple times to check the status and was given generic answers each time, saying they are working as fast as they can in the order the applications were received. No one was actually willing to look at my application to give me individualized assistance. 
I continued checking for updates on my online portal through the next months and my application still said in review. I happened to look at the documents in the completed portion for my previous employer and there was a rejection letter dated XX/XX/year>! I never received this in the mail and only found it by accident on the wrong employer section. 
This rejection letter stated that my application was rejected because it was missing the employer signature. I looked at the uploaded document and there was absolutely an employer signature. I called to resolve this issue and was told that this rejection is a known system issue and was advised to reapply. She said that the system will automatically reject applications for a missing signature when there is a signature. 
I have already been waiting for this application to be processed for 4 months and now I have to reapply and wait again because of a system issue? I have now uploaded this application multiple times, my employer mailed it in XXXX and I have just mailed it again in XXXX. Still hasn't been processed correctly.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$75000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$75000.00} XXXX XXXX XXXX  XXXX Balance : {$4900.00}

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 2025-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MO

Complaint narrative:
Ive disputed debt and asked for sufficient validation along with proof that I owe them the money and that they have right to payment. I asked for original documentation and their companies credentials. They told me to contact the original debtor. I responded well you know they are closed and that they are the ones trying to collect the debt. I have not heard back.

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 2025-01-04 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: ID

Complaint narrative:
I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: ID

Complaint narrative:
I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

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 2025-01-04 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: CA

Complaint narrative:
Consumer Financial Protection Bureau Online Complaint Submission Subject : Notification of Data Breach by Credit Bureaus and Submission of FTC Report Dear CFPB Team, I am writing to formally notify your office of a data breach involving the major credit bureaus, which has compromised my personal information. Enclosed with this letter is a copy of my Federal Trade Commission ( FTC ) report, which details the breach and its impact on my financial security. Additionally, included is my 3 Bureau Report.

The breach constitutes a violation under U.S. Code 1561, which mandates the safeguarding of consumer data by entities handling sensitive personal information. This breach has not only disrupted my financial stability but also raised serious concerns regarding the handling of personal data by these institutions. 

I request the CFPBs intervention to ensure the responsible parties are held accountable and that steps are taken to prevent such breaches in the future. I also urge your assistance in helping me mitigate the impact of this incident on my credit and financial well-being. 

Thank you for your attention to this critical matter. Please feel free to contact me at XXXX, should you need additional information. 

Sincerely, XXXX XXXX Enclosure : FTC Report and XXXX Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
Consumer Financial Protection Bureau Online Complaint Submission Subject : Notification of Data Breach by Credit Bureaus and Submission of FTC Report Dear CFPB Team, I am writing to formally notify your office of a data breach involving the major credit bureaus, which has compromised my personal information. Enclosed with this letter is a copy of my Federal Trade Commission ( FTC ) report, which details the breach and its impact on my financial security. Additionally, included is my 3 Bureau Report. 

The breach constitutes a violation under U.S. Code 1561, which mandates the safeguarding of consumer data by entities handling sensitive personal information. This breach has not only disrupted my financial stability but also raised serious concerns regarding the handling of personal data by these institutions. 

I request the CFPBs intervention to ensure the responsible parties are held accountable and that steps are taken to prevent such breaches in the future. I also urge your assistance in helping me mitigate the impact of this incident on my credit and financial well-being. 

Thank you for your attention to this critical matter. Please feel free to contact me at XXXX, should you need additional information. 

Sincerely, XXXX XXXX Enclosure : FTC Report and XXXX 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