vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
After looking at my credit report I noticed that I have been a victim of identity theft/ identity fraud. A personal loan of {$40000.00} was opened on XX/XX/XXXX in my name without my written consent. I have sent a certificate letter to this company with documents verifying my identity that was received on XX/XX/XXXX and have not gotten a response yet about my dispute or how the process of how the investigation works. My rights are being violated under the Fair Credit Reporting Act due to the fact that it has been past 30 days and I have had no response from this company as of yet. I am asking that this account be removed and deleted from my records immediately. Here is the article number and tracking number for the certificate letter I sent and all documents I sent with the letter Article # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Can you please help me with this unfortunate and time consuming matter. 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 2025-01-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I called Goodleap to make a payment.and I also requested payoff because all we owed on the loan was {$490.00}. On XX/XX/XXXX, I made a payment of {$250.00}. I was told by the Goodleap agent that payoff would be provided that day. It was not. 

I call back on XX/XX/XXXX to pay the final remaining balance of {$290.00} and I was told the payoff was {$1200.00} because the 18 months of installment ended XX/XX/XXXX and the interest had to be paid on the total of amount of {$7100.00} borrowed.

We also have a later dated XX/XX/XXXX that stated the first payment would not begin until XXXX XXXX, XXXX. 

We paid {$1200.00} and some change XX/XX/XXXX in protest. 

We received an emsil dated around XX/XX/XXXX that Goodleap would uphold their decision to charge us the total interest on what was borrowed because we should have known the installment ended XX/XX/XXXX even though they did not provide the payoff letter verbally or via email as we requested XX/XX/XXXX. We did receive a refund of {$5.00} around XX/XX/XXXX. 

Goidleap took our payments and we did not get credit for those payment. This is usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
EQUIFAX is reporting a fraudulent account was opened with XXXX XXXX  ( account # XXXX - {$640.00} - XX/XX/year> ) due to identity theft. EQUIFAX and XXXX XXXX  have been informed numerous times about this fraudulent account and sent the police and F.T.C. reports but are still reporting this fraudulent account information and damaging my credit. It is believed that a neighbor committed the identity theft and was tamping with incoming mail or a data breach of personal information exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
EQUIFAX is reporting a fraudulent account was opened with XXXX XXXX  ( account # XXXX - {$640.00} - XX/XX/2022 ) due to identity theft. EQUIFAX and XXXX XXXX  have been informed numerous times about this fraudulent account and sent the police and F.T.C. reports but are still reporting this fraudulent account information and damaging my credit. It is believed that a neighbor committed the identity theft and was tamping with incoming mail or a data breach of personal information exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to dispute the inaccurate information being reported by SPRINGOAKCAP regarding two accounts that are currently listed on my credit report. The account numbers are as follows : XXXX and XXXX. I am informing you that I have never had any agreement with SPRINGOAKCAP nor do I recognize any of these accounts. I have already requested debt validation from SPRINGOAKCAP regarding these accounts, but to date, I have not received any verification of the debts as required by law which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, these accounts are not being reported in accordance with the regulations stipulated by the FCRA and FDCPA. I demand that these accounts be deleted from my credit report immediately. I would also like SPRINGOAKCAP to reference the case of XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information and adhere to FCRA guidelines. Please address this dispute promptly and notify me of the actions taken. I expect these accounts to be removed from my credit report without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  National Credit Adjusters L.L.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Validation Dear National Credit Adjusters L.L.C, I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is owed ; A copy of any agreement or contract that authorizes you to collect on the debt, including the original creditor 's name and address ; A complete and itemized breakdown of the debt, including interest, fees, and charges ; A statement indicating whether this debt has been assigned to you for collection, or if you are acting as an intermediary for a third party ; Any judgment or court order ( if applicable ) related to this debt.

In addition, please cease any collection activities until this debt has been validated. I request that all future communications regarding this matter be sent to me in writing.

If you are unable to provide proper validation, please acknowledge that you will stop all collection efforts, remove any related entries from my credit report, and cease reporting the debt to credit bureaus.

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. If this debt is found to be invalid, I expect it to be removed from my credit record immediately.

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days, as stipulated by the FDCPA.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against Portfolio Recovery for reporting an unverified collection account on my credit report. I was never notified of this alleged debt, and I do not believe it is accurate. There is inconsistent information such as the open date. How can XXXX report that this account was opened XX/XX/XXXX while XXXX reports XX/XX/XXXX. The date last active is also incorrect with XXXX reporting XX/XX/XXXX, but this account has not been active in years. Furthermore, the statute of limitations has past for this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt, but XXXX XXXX has failed to provide : An explanation of the alleged account balance. A complete payment history and audit trail proving the amount is accurate. Documentation showing I agreed to this debt and authorized its reporting. Proof of legal authority to collect in my state, including their state license. A master bill of sale, purchase agreement, and chain of custody for the debt. Additionally, XXXX XXXX has violated the FDCPA and the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information, failing to validate the debt, and engaging in deceptive practices that harm my reputation. I demand immediate removal of this account from my credit report. If the account is not removed or properly validated within 15 days, I will pursue litigation for damages of {$1000.00} per violation, as allowed under 15 U.S. Code 1692k. I have also submitted this complaint to my State Attorney General 's Office and the XXXX XXXX XXXX  for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
In XXXX, I filed a complaint with CFPB regarding MOHELA and the number of qualifying payments I made while working at county XXXX  health in a service area that qualified me for XXXX. The complaint number is XXXX. MOHELA discharged the loans after the complaint was investigated and all the information I submitted was reviewed. This week I received a notice that my credit score changed with XXXX, When I logged into my credit report it states that as of XXXX XX/XX/XXXX the XXXX Department of Education or MOHELA added the loan back to my credit report and XXXX information on the federal website after it was previously discharged. I need help finding out what is going on because it was already forgiven 2 years ago? Can you please help me? It is very difficult to get ahold of anyone at MOHELA to speak to about this.The XXXX dispute is stating they will not remove the information from my credit report and are keeping it the same even with the information I submitted them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2025-01-08 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: PA

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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 2025-01-08 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: NY

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX XXXX & XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am a Victim of the data breach. My right to have accurate information on my report has been violated. This is identity theft according to Florida Statute Section 817.568 : I gave no authority to furnish private information, this is trespassing.

These credit reporting agencies and the creditors/inquiries listed in these reports deprived me of my basic right to privacy and are guilty of Conspiring to deprive me of my rights under 18 U.S. Code 242.

All furnishing of account information MUST BE DELETED within 4 business days from the receipt of this notice pursuant to 15 U.S Code 1681s-2 ( 6 ) ( B ).

I Request that they all block this information from my consumer report within the next 4 Business days pursuant to 15 U.S. Code 1681 c-2 - Block of information resulting from identity theft. 

Update account to Provide XXXX credit score and update all paid as agreed. No hard inquiries allowed ever. 

Not only have I been a Victim of identity theft, but XXXX XXXX AND TRANSUNION has aided and abetted each individual perpetrator listed on the credit report in this crime of identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft by publishing this subsequent information without my consent and against my wishes, for their own personal gain. And are guilty of co-conspiring in a scheme to collect on extensions of credit through extortionate means pursuant to 18 U.S. Code 894 ( a ) ( 1-2 ). 


According to the FCRA CREDIT REPORTING AGENCIES HAVE A grave responsibility to uphold fairness and impartiality. They subsequently failed to uphold that responsibility and has deprived me of my right to privacy they are required to uphold under the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S. Code 6801 and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 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 2025-01-08 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I recently received a copy of my credit report and noticed 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 explanation
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my 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 non-monetary relief
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Account repossessed XX/XX/XXXX Company has not sent any paperwork for repossession Company has not reached out to try to settle Company has not sent a 1099c Company has the property XX/XX/XXXX account charged off XX/XX/XXXX contacted company for 1099c to which they told me they couldn't provide it

Company response to consumer: Closed with explanation