vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
Lexington Law was misleading and scammed hundreds of dollars from me. I asked the company why was it taking so long to repair my credit and they just continue to request payment. the services was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am a victim of identity theft from a family member with the same name. I have called and reported to the company that the card transactions doesnt 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 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account is being reported with errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Type : Collection Account Number : XXXX Balance Reported : {$4000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No such verification has been provided for this account, making its reporting invalid.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting continues. Federal law requires communication to cease during the dispute process unless verification is provided, which has not occurred.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account shows a balance of {$4000.00} and a status of Charge-Off/Collection, which is contradictory and misleading.

No payment history or activity justifying the listed balance has been provided.

Comments indicate placed for collection, yet the balance remains unverified.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Per IRS regulations, when a creditor cancels {$600.00} or more of debt, they are required to issue a Form 1099-C for tax purposes and report the cancellation to the IRS.

I have not received a Form 1099-C for this account, raising concerns about its validity and compliance with IRS regulations .

5. Recent CFPB Lawsuit Against Experian : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against Experian, which is reporting this account, for its failure to properly investigate disputes and validate debts. This lawsuit highlights systemic issues with Experians practices and raises further questions about the accuracy and legitimacy of the information being reported in my case. 


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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
There are XXXX credit cards on my that happened during time of a credit breach. Under 15 USC 1681 I have a right to privacy and since there has been a data breach I need all these accounts removed due to identity theft and fraud. Dates ranging from XXXX present my social security number and identity has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TN

Complaint narrative:
Someone opened a student account in my name under my credit. I have never attended college. Account opened fraudulent.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I received a background check from Sterling for employment on XX/XX/2025 and a name is coming up with my social security number and I need it removed.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I'm composing this elaborate message solely out of my pit of frustration built up over the course of nearly 3 years. I completed and submitted a borrow defense application almost XXXX years back, and yet all I'm greeted with is a deafening silence. As per my knowledge, XXXX XXXX XXXX is included in the list of institutions approved to annul loans from borrowers ' credit on account of the dissemination of misleading information. 

However, the mystery remains - I'm yet to hear even a XXXX whisper about my application. And here 's what's truly ridiculous - my loans were initially sanctioned for a deferred payment plan that stretched up until the year XXXX. However, much against my convenience, my loans have been sold off to XXXX. XXXX is currently on a relentless pursuit to claim payments from me, which is absolutely uncalled for. 

To add fuel to the fire, despite my consistent efforts to reach out to XXXX just to XXXX well check the status of my borrow defense application, I'm continually met with a brick wall. My concerns and queries seem to go unheard, and I can not, for the life of me, receive a legitimate reply. 

To cut to the chase, I'm seriously XXXX off and intolerably frustrated. This has been a colossal mess to deal with and the lack of communication on your end does nothing to alleviate my concerns. It does the exact opposite, in fact. I hope that this message will promote a swift and appropriate response to my frustrating and stressful circumstances

Company response to consumer: Untimely response
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my 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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
About 6 months ago, Identity works was assigned to me due to several data breaches who sent me a membership for it. 

I called every creditor Ive disputed on a XXXX way, recorded call with XXXX XXXX. Afterwords she submitted disputes with her notes. I said they wont read them, nothing will happen. 

She advised me that if nothing happens, I am in a one party consent state and the calls were recorded. I should subpeona the calls if I cant get them myself, and sue Experian. She didnt work there any more by our following werks scheduled follow up. 

Ive been requesting those phone recordings, and had an attorney ive been working with from consumerattorneys.com reach out to let them know he plans on to subpoena those recordings and attempted to get through the automated voice attendant they have. Which is not possible sometimes. But he did and was told theyll be mailed first. Then that a real way to send them would happen. 

I am still requesting those recordings XXXX months later. 


Those disputes also were oaid no attention at all. 

Also, while uploading a couple of emails between XXXX and I, of course it isnt possible to look at anything Experian was reporting 8 months ago and see hege differences in that and what they are reporting today. 
The affirm screen shots, which Ive provided a bank statement from another merchant that sent it to prove that they did refund Affirm once I found about it, all said I opened the account this year. But theyve been reporting it, and then updating it as if it was new and just reported every month since. 
These say XXXX. A week before the dat it was in the screen shot. They had been reporting that the refunded money from XXXX who sent a bank statement to prove it since XX/XX/XXXX. Oh, and the refund was granted and processed according to XXXX XXXX  records on XX/XX/XXXX. So there osnt a debt to havebeen " verified '' by experian 's " sham investigation, '' to begin with. 

I also now remember the kohls nonsense who was part of the three way calls, and cleared any debt I had. I actually just got an update to terms and conditions yesterday for my card with them I dont know of many stores that only reach out when somebody is XXXX in default and written off only once a year when a variable rate adjusts for all cardholders ... ( Attached )

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2300.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$11000.00} Late/Closed Inquiries in Dispute XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Heres a comprehensive dispute letter for the account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies, violating multiple sections of federal law. 

Account Details : Creditor Name : [ Government Entity Name ] Account Type : Government Miscellaneous Debt ( Installment ) Account Number : XXXX Balance Reported : {$8000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. No verification of this account has been provided, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : After disputing this account, its derogatory status remains reported. Reporting or updating the account without resolving the dispute violates federal law.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account is reported as both a Collection and a Charge-Off, which is inconsistent and misleading.

Comments indicate a profit and loss write-off, yet the balance remains reported as due, which contradicts IRS and FCRA standards .

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Under IRS regulations, a Form 1099-C must be issued when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been provided for this accou
nt, raising concerns about compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for failing to properly investigate disputes and validate debts. 
This raises significant concerns about XXXX ability to accurately report and investigate this account, further undermining the validity of this entry. 


Additionally, I expect a response to this dispute within 30 days, as outlined in 15 U.S. Code 1681i ( a ) ( 1 ). 

Sincerely, XXXX XXXX

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX Account Type : Unsecured Loan Account Number : XXXX Balance Reported : {$0.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide complete verification of the debt upon request. No verification has been provided for this account, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting has not ceased. This is a clear violation of federal law.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to ensure maximum accuracy of reported data.

The balance is reported as {$0.00}, yet the account is listed as a Charge-Off and in Collection, which is misleading.

Comments indicate that the account was purchased by another lender and sold to XXXX XXXX XXXX XXXX, yet no valid verification of the transfer or sale has been provided. 
Reporting an account as a loss by the credit grantor while simultaneously showing {$0.00} due is contradictory and creates inaccuracies. 
XXXX. Duplicate Reporting of Charged-Off Accounts : The comments state this account was sold to another lender ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX suggesting a potential duplicate account could be created for the same debt. This practice is misleading, as the original account should no longer report if sold. 


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 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 — Their investigation did not fix an error on your report
Company: Alliant Capital Management LLC
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX Account Type : Unsecured Loan Account Number : XXXX Balance Reported : {$0.00} Status : Collection/Charge-Off Violations and Inaccuracies : XXXX. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide complete verification of the debt upon request. No verification has been provided for this account, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting has not ceased. This is a clear violation of federal law.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to ensure maximum accuracy of reported data.

The balance is reported as {$0.00}, yet the account is listed as a Charge-Off and in Collection, which is misleading. 
Comments indicate that the account was purchased by another lender and sold to XXXX XXXX XXXX XXXX, yet no valid verification of the transfer or sale has been provided. 
Reporting an account as a loss by the credit grantor while simultaneously showing {$0.00} due is contradictory and creates inaccuracies. 
XXXX. Duplicate Reporting of Charged-Off Accounts : The comments state this account was sold to another lender ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX suggesting a potential duplicate account could be created for the same debt. This practice is misleading, as the original account should no longer report if sold. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: TN

Complaint narrative:
I'm composing this elaborate message solely out of my pit of frustration built up over the course of nearly 3 years. I completed and submitted a borrow defense application almost XXXX years back, and yet all I'm greeted with is a deafening silence. As per my knowledge, XXXX XXXX XXXX is included in the list of institutions approved to annul loans from borrowers ' credit on account of the dissemination of misleading information. However, the mystery remains - I'm yet to hear even a XXXX whisper about my application. And here 's what's truly ridiculous - my loans were initially sanctioned for a deferred payment plan that stretched up until the year XXXX. However, much against my convenience, my loans have been sold off to Mohela. Mohela is currently on a relentless pursuit to claim payments from me, which is absolutely uncalled for. To add fuel to the fire, despite my consistent efforts to reach out to XXXX just to XXXX well check the status of my borrow defense application, I'm continually met with a brick wall. My concerns and queries seem to go unheard, and I can not, for the life of me, receive a legitimate reply. To cut to the chase, I'm seriously XXXX off and intolerably frustrated. This has been a colossal mess to deal with and the lack of communication on your end does nothing to alleviate my concerns. It does the exact opposite, in fact. I hope that this message will promote a swift and appropriate response to my frustrating and stressful circumstances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation