vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
Experian is reporting a foreclosure on my report. My previous home was never foreclosed. Foreclosure proceedings started the vacated due to being paid in full. The house was never foreclosed on. I have supreme Court case filed which also stated foreclosure vacated paid in full. I also have a letter with a letter head from the mortgage company XXXX, stating home was paid in full, never foreclosed. XXXX and XXXX made the correction and is now reporting it correctly as foreclosure proceedings started, vacated paid in full.

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 2025-01-11 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint False Collection Account by XXXX XXXX XXXX Dear Sir/Madam , I am submitting this formal complaint under the protection of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding a collection account falsely reported by XXXX XXXX XXXX. The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXXXXXX Reported Balance : {$110.00} ( now {$0.00}, paid ) Last Verified Date : XX/XX/2024 According to 15 U.S.C . 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers of information must ensure the accuracy of information reported to credit bureaus. 

XXXX XXXXXXXX XXXX did not authorize XXXX XXXX XXXX to initiate this collection. Thus, the account was falsely placed on my credit report, violating both the FDCPA and FCRA. Furthermore, this action has caused undue harm to my credit score and financial reputation. 

I hereby request the CFPB to : Investigate the legitimacy of this collection account and verify whether XXXX XXXX XXXX obtained proper authorization from XXXX XXXXXXXX XXXX. 
Enforce corrective measures under 15 U.S.C. 1681i ( a ), which requires inaccurate information to be removed from my credit report promptly. 
Ensure compliance with FCRA and FDCPA by requiring XXXX XXXX XXXX to provide documented evidence of authorization for collection activities. 
To support my claim, I am attaching the following documents : A copy of my credit report showing the disputed account. 
Relevant correspondence with XXXX XXXX XXXX and the credit reporting agencies. 
A statement from XXXX XXXXXXXX XXXX confirming that no collection authorization was granted. 
I trust that the CFPB will address this matter with urgency to ensure my rights as a consumer are upheld under federal law. Thank you for your time and attention. 

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 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Coradius International LLC
State: PA

Complaint narrative:
Key Issues : Disputed Charge : {$220.00} charge appeared on credit report Transferred from XXXX XXXX to XXXX XXXX to American Coradius Resident from XXXX with claimed perfect payment history XXXX XXXX XXXX Claims : Says they sent multiple notifications about balance Claims no unit condition form was submitted States emails were sent and opened Says no forwarding address was provided Provided screenshots of alleged communications Resident 's Counter-Claims : Denies receiving any notifications States unit condition form was submitted but ignored Never received mail communications No access to payment portal/history Claims falsification of delivery records Legal Violations Alleged : FDCPA 807 violations ( false representations ) Falsification of mail delivery records Failure to provide proper debt validation Denial of access to payment history Improper notification procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2025 Equifax LLC, Subject : Equifax Complaint Regarding Violation of 15 U.S. Code 1681a Dear Equifax LLC, I am writing to formally express my outrage and dissatisfaction regarding your blatant violation of 15 U.S. Code 1681a, which defines important terms and responsibilities for consumer reporting agencies like yours. 

As you are undoubtedly aware, the Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies provide accurate and fair information about consumers. The definition of a " consumer report '' clearly states that any communication of information regarding a consumers creditworthiness must be used appropriately and ethically. However, it has come to my attention that Equifax has failed to uphold these standards, impacting my credit report and subsequently my financial standing. 

The inaccuracies in my credit report, which I have previously brought to your attention, are not just mere clerical errors. They reflect a serious disregard for the responsibilities outlined in Section 1681a. Such negligence is not only unacceptable but also potentially damaging to my creditworthiness and personal reputation. The consequences of these inaccuracies extend beyond mere inconvenience ; they affect my ability to secure loans, obtain housing, and manage my finances effectively. 

I demand immediate corrective action to rectify the erroneous information in my credit report. Additionally, I expect a written explanation outlining the steps you will take to ensure that such violations do not occur in the future. Failure to address this issue promptly will leave me with no choice but to pursue all legal remedies. 

I expect a response within 5 days of this letter. This situation requires urgent attention, and I trust that you will handle this matter with the seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
Sunrise Debt Collector took me to collections for unknown reason {$180.00} on 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 2025-01-11 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Best Buy in XXXXXXXX XXXX that do a soft inquiry and I told them I do not authorize a hard inquiry the salesperson lied to me to get me to enter my SSA number. I called the company same day, and they reported the store and would try to remove it and get rid the credit app didn't authorize but they said it was no Guarantee, but they did report it as Fraud for something I didn't authorize.

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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX education loan This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately.

15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-11 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: Sezzle Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I am a victim of identity theft. 

XXXX does not properly investigate disputes and fail to remove or correct errors on my credit report threatening consumers access to credit employment and housing.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. 

XXXX does not properly investigate disputes and fail to remove or correct errors on my credit report threatening consumers access to credit employment and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
As per the guidance from the CFPB and section 605C of FCRA section 1022.142 of regulation. Please block this information from my credit report and to remove all accounts listed.

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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Took out student loans for my daughter in XXXX for XXXXXXXX XXXX . Principal amount has not change substantially in 17 years. We were misled by Navient on forebearance and other loan management. Navient since has been banned from servicing student loans and a multi million dollar judgement against Navient was to be dispursed to those affected by their misleading and questionable practices. 

After the court judgement banning Navient from servicing student loans any longer, Navient proceeded to hand off our student loan to a company called XXXX without any remedy for how Navient handles our student loans. Other student loans were foregiven by the Biden Administration even though my daughter was in public service, XXXX XXXX XXXX XXXX XXXX, her loan that I am paying back was not foregiven. Also the 8.5 % loan rate over the past 17 years is excessive and abusive,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: MI

Complaint narrative:
On XX/XX/year>, I received a letter from a third-party general revenue agency regarding a collection they had taken over for past-due tuition owed to XXXX XXXX XXXX XXXX . The original past-due amount was {$2500.00}. However, they have since added {$170.00} as interest, treating this as though it were an installment loan and {$840.00} as a collection fee. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from collecting fees, interest, or other charges that are not authorized by the original debt agreement or applicable law. I never provided written consent to the school for these additional fees or interest. While I am willing to pay the original amount owed, it seems they are accruing interest daily, making it increasingly difficult to repay the debt. 

Furthermore, I was informed that my taxes might be garnished if I do not pay the amount. I requested verification of the debt, including any contracts or agreements, but they only provided a letter notifying me of the debt and a statement of accounts, which does not satisfy the verification requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
They claim that on my credit report I still owe them {$13000.00}. I dont. I want it removed. I will file a formal complaint against them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westlake Services, LLC
State: LA

Complaint narrative:
MY INFORMTATION WAS BREACHED AND SHARED FRAUDULENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
The amount for the debt is for $ XXXX I have no knowledge of this account I did receive a debt validation letter this account does not belong to me account open XX/XX/year> with sunrise Credit services account number XXXX this account was open fraudulently

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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 2025-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I keep getting told that I cant pay my taxes so that my estimated escrow amount wont keep increasing I started this loan for the property at XXXX a month now they are wonting over XXXX a month I will not be able to continue paying this and my need to file for bankruptcy or other means to get rid of property and cost of it this country is past the point of no return and Im ready to leave it for good

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 2025-01-10 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: DE

Complaint narrative:
XXXX XXXX is refusing to remove an account from my credit report that is fraudulent and inaccurate. The account is not in my name and I provided an FTC report. I also have a private court document that shows that my phone was stolen and retrieved from an abandoned building. My identity was stolen, fake bank accounts were created, my social media was stolen and I am still unable to access it. XXXX XXXX has no wet signature from me nor do they have proof that I opened an account with them. They also stated in complaint XXXXthat they charged off the debt however they are still reporting a balance They never sent a 1099c as the claim was written off. I will be reporting this discrepancy to the IRS as well. Since it was done in XXXX, XXXX XXXX had ample time to send out this document. Despite that issue, they are violating my FRCA rights by reporting inaccurate information to the credit bureaus. Just because their bias team has done an investigation, doesnt mean that their findings are accurate. I demand that they forward all of their investigation document for my record, so that I may forward them to my attorney for our own investigation. This fraudulent account has cause a severe impact on my life as I have not been able to obtain work or secure a mortgage as it has dropped my credit score over XXXX points. I will b pursuing legal actions as well as damages for their defamation of my character and liable by publishing inaccurate information about me to the credit bureaus for lenders to see and judge me. I am in grave disparity and this has caused significant mental anguish. I have submitted all of the documents requested of me and will continue to defend myself against these frivolous and false claims.

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