vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
In college, as I entered into my third year of school, already committed to the program, I ran out of federal loans. I dont come from a family that planned for college for me, so loans was my only option. I have always wanted to teach and knew I needed to finish my degree to follow my passion. Sallie Mae swooped in and offered help. Little did I know this would be the financial burden of a lifetime. I make {$50000.00} a year as a newer teacher and can not afford to pay the {$500.00} a month bill they are demanding. I paid the bill for XXXX years, and not only did my debt never decrease, it actually went up because they increased the interest. Sallie Mae is corrupt and someone needs to do something. I have told them I struggle to pay-the amount I take home each month barely pays my living expenses. I stopped paying Sallie Mae and they attacked all my credit and refuse to even come up with a reasonable payment plan for me. We lack teachers right now. People are leaving the profession. I need help and I feel like someone needs to stop these criminals and support myself and others like me.

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: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is an actual account that belongs 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 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have an account with Affirm, I made the last payment on XX/XX/year>. Affirm says I need to wait 30 days from my last payment. This makes absolutely no sense!

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: VA

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 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: Experian Information Solutions Inc.
State: VA

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 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: GA

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Figure Technologies, Inc
State: IN

Complaint narrative:
I have a HELOC with XXXX XXXX XXXX. I made an on time payment. The Company reported it as delinquent and after speaking with them they said it was an error on their part and would resolve the issue. After almost 90 days of waiting for a process that they said they would expedite to get it resolved. It is still on my credit report.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Non stop calling and trying to harass my employer. Using obscene language and not answering questions about debt owed. Very unprofessional. Being a XXXX they are trying to garnish wages. Wont answer my questions about debt owed or provide statements of debt owed. Took me to court without any notice 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Non stop calling and trying to harass my employer. Using obscene language and not answering questions about debt owed. Very unprofessional. Being a XXXX they are trying to garnish wages. Wont answer my questions about debt owed or provide statements of debt owed. Took me to court without any notice to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Request for Validation of Debt Dear Customer Service, I am writing to formally request validation for the debt associated with account number XXXX, which is described as a collection account with a balance of {$870.00}. 

According to the information available, this account was opened on XX/XX/XXXX, and is reported to be overdue as of XX/XX/XXXX. To gain clarity regarding my financial obligations, I kindly ask for the following details : XXXX. The original amount owed and any additional fees or charges that may be included.

2. A copy of the original agreement or contract that outlines the terms of the debt.

3. Documentation confirming your authority to collect this debt.

Please be advised that I am exercising my rights under the Fair Debt Collection Practices Act, particularly : - **15 USC 1692 ( d ) ( 2 ) ** : Prohibiting harassment or abusive conduct.

- **15 USC 1692 ( g ) ( a ) ** : Mandating the validation of debts.

- **15 USC 1692 ( c ) ( a ) ** : Regulating communication related to debt collection.

I would appreciate your prompt attention to this matter and kindly request that you provide the requested information Thank you for your cooperation. I look forward to your timely 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 the following companies inquired about my credit without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the following company inquired about my credit without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following company imquired about my credit without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following company inquired about my credit without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The follomg company inquired about my credit without my consent : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX the following companies inquired about my credit without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX XXXX the following company inquired about my credit without my consent : XXXX XXXX XXXX On XXXX XXXX XXXX the following company imquired about my credit without my consent : XXXX XXXX XXXX On XXXX XXXX XXXX the following company inquired about my credit without my consent : XXXX XXXX XXXX On XX/XX/XXXX, XXXX The follomg company inquired about my credit without my consent : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
The debt collecting company keeps calling i answer they stay on the line for 5 seconds then hang up an call 3 mins later with a restricted number an leave a voice mail any time i try to talk on the phone they hang up immediately Also this debt shouldn't be a thing the hospital i went to said they charged my insurance an that my insurance wouldn't cover it but I've called my insurance multiple times an asked them about it an they've told me no such charge has gone through so the hospital just didn't bill my insurance even tho I told them multiple times to do so an they just let it go to collections without even trying to charge my insurance

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: PA

Complaint narrative:
My right to privacy is protected under laws enacted by XXXX to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I filed dispute complaints with Experian for inaccurate late payments on my credit report as follows : 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 

I have filed numerous complaints with Experian regarding above. I have requested proof of their investigation depicting how they prove an individual is actually late on payments. They have failed to do so each time and continue reporting my account as late. This is impacting my credit significantly. Yet, Experian fails to act in good faith and do their due diligence to properly investigate these complaints. In addition, the complaints I filed were related to inaccurate late payments. Within Experian 's response ( s ) to my dispute ( s ), they state " the incorrect account '' remains. My complaint was not based on incorrect accounts. This was filed on inaccurate late payment. In addition, I am pending Experian 's response to my dispute regarding XXXX XXXX XXXX XXXX. I am requesting Experian to remove all late payments within 30 days of this complaint if Experian fails to provide proper documentation showing their proper investigation practices.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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