vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the outcome of a recent dispute I filed with XXXX regarding the account listed under the name " XXXX XXXX XXXX XXXX. '' After the investigation was completed by XXXX on XX/XX/year>, the account was deleted from my XXXX credit report due to its unverifiability. 

As you are aware, according to the Fair Credit Reporting Act ( FCRA ), all information reported to credit reporting agencies must be accurate, complete, and verifiable. Since XXXX has already determined that this account is unverifiable and deleted it from my credit file, I request that you take the necessary steps to update your records and remove the same account from your reporting system. 

The FCRA, specifically Section 1681i, states that if a disputed item can not be verified, it must be removed from the consumers credit report. Since XXXX has verified that this account is unverifiable and removed it from my XXXX report, the same must apply to your agency. 

Please update my credit report accordingly and ensure the removal of the account within 30 days of receipt of this letter. If this account is not deleted from your records within 30 days, I will consider all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information, and I am entitled to have that information corrected or removed if it can not be verified. Furthermore, under Section 1681s-2 ( b ) of the FCRA, failure to correct or remove unverifiable information can subject you to legal penalties, including the right to sue for damages. 

Please treat this matter with the urgency it deserves and confirm in writing that this account has been removed from your records. I expect prompt action within the 30-day window provided by law. 

If you need further documentation or information, please do not hesitate to contact me directly. 

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 2025-01-08 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: TX

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the outcome of a recent dispute I filed with XXXX regarding the account listed under the name " XXXX XXXX XXXX XXXX. '' After the investigation was completed by XXXX on XX/XX/year>, the account was deleted from my XXXX credit report due to its unverifiability. 

As you are aware, according to the Fair Credit Reporting Act ( FCRA ), all information reported to credit reporting agencies must be accurate, complete, and verifiable. Since XXXX has already determined that this account is unverifiable and deleted it from my credit file, I request that you take the necessary steps to update your records and remove the same account from your reporting system. 

The FCRA, specifically Section 1681i, states that if a disputed item can not be verified, it must be removed from the consumers credit report. Since XXXX has verified that this account is unverifiable and removed it from my XXXX report, the same must apply to your agency. 

Please update my credit report accordingly and ensure the removal of the account within 30 days of receipt of this letter. If this account is not deleted from your records within 30 days, I will consider all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information, and I am entitled to have that information corrected or removed if it can not be verified. Furthermore, under Section 1681s-2 ( b ) of the FCRA, failure to correct or remove unverifiable information can subject you to legal penalties, including the right to sue for damages. 

Please treat this matter with the urgency it deserves and confirm in writing that this account has been removed from your records. I expect prompt action within the 30-day window provided by law. 

If you need further documentation or information, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern : This letter is a formal dispute regarding the collection accounts reported on my credit file from XXXX XXXX XXXX. T

his account, as reflected in my credit report, are inaccurate and in violation of federal law. I am requesting immediate investigation and verification of this account pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under : 15 U.S.C. 1692c ( c ) This law prohibits debt collectors from continuing to communicate with a consumer after a cease communication request has been made. I have previously notified the debt collectors in writing to cease communication regarding these debts. 15 U.S.C. 1692g Under this section, a debt collector must provide a validation notice within five days of the initial communication, detailing the debt amount, creditor information, and my rights as a consumer. No such validation notice has been provided to me, rendering their reporting invalid and unverifiable.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was the victim of identify theft. I never opened any of the accounts on my credit report. Ive tried to resolve this problem. The person that opened these accounts were paying them up until XXXXXXXX XXXX XXXX. I have never made a payment on any credit card because i didn't know they existed until XXXXXXXX XXXX XXXXXXXX. Some go back as far as XXXX. I did not have a job from XXXXXXXX XXXX XXXXXXXX up until XXXX so i wouldn't open any accounts

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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, this creditor was sent a Debt validation letter in accordance to the Fair Debt Collection Practices Act ( FDCPA ) to verify all information regarding this account which included a demand to show legal consideration was owned, given and used by creditor to fund this account. A demand for proof of consideration and full accounting accuracy as well as proof creditor did not receive bank credit from Federal Reserve using my social security number and account. This Creditor failed to comply within the maximum time requirement to reply and provide requested information.

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: CA

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX XXXX XXXX Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my XXXX and TransUnion credit report by XXXX XXXX XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), XXXX and TransUnion are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and XXXX is obligated to investigate and correct or delete unverifiable data.

Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX XXXX is licensed to collect debts in California.

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report.

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction.

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX & XXXX XXXX account. 
Documentation from the XXXX XXXX XXXX XXXX showing that XXXX XXXX XXXX XXXX XXXX is not licensed to collect in California.

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office.

Thank you for your prompt attention to this matter.

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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient My loans were consolidated through this company in XXXX. For XXXX XXXX, I was not provided any information about repayment plans. I was told I could only put my loans in forbearance. I consolidated loans the amount of {$29000.00} and jow I owe {$88000.00}. 
I now am burdened with excessive interest payments. I received a {$230.00} payment from a lawsuit. That is insulting. This faulty debt has been on my credit report for XXXX XXXX. I can not purchase a car or a home. Navient recently sold my account to XXXX. I can not deal with the stress of dealing with another faulty lender, but I will find a way because I have to. I have dealt with Navients deceptive practices and I am paying for them financially. Navient should have to right their wrongs. 
I am asking for a break. A small win for the victim. Can Navient be removed from my credit report? I have a XXXX XXXX, but can not buy a car or a home because of the deceptive and misleading practices of my student loan servicer. 
Thats rich. 
Navient should not only provide its customers with a financial compensation, but they should also remove their inflated balances from the credit reports of the customers they lied to and cheated.

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: LA

Complaint narrative:
Under 15 USC 1666B This is a billing error. I always paid as agreed and on time. This is an error and this account is in violation - This is paid as agreed and should not be reporting negatively on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2025-01-08 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: Clark County Collection Service
State: NJ

Complaint narrative:
I am sending this communication in response to your most recent reply for CFPB Complaint Number XXXX. Please see attached.

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 — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Date of Event : XX/XX/XXXX I am filing this complaint because Lendmark Financial Services has initiated legal action against me despite failing to validate the lien on my XXXX XXXX XXXX ( XXXX XXXX XXXX ) and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I called Lendmark after discovering that they had filed a legal action against me. During the call, their representative acknowledged receiving my cease and desist letter, which I sent to dispute the debt and request lien validation. However, they admitted they have not provided proper documentation to validate the lien. Despite this, they have continued to pursue legal action. 

This is a clear violation of the FDCPA, specifically : 15 U.S.C. 1692g ( b ) : Collection efforts, including legal action, can not proceed without first validating the debt. Lendmark has not provided proof that the lien was properly perfected at the time of loan origination, which raises questions about the enforceability of the debt under XXXX XXXX XXXXXXXX. 
15 U.S.C. 1692c ( c ) : By acknowledging receipt of my cease and desist letter, Lendmark was required to halt collection activities except to notify me of the legal action or provide debt validation. Instead, they initiated legal action without fulfilling their obligations.

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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have hard inquiries that I dont recognize that Ive been trying to get help with for some time

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 — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I have hard inquiries that I dont recognize that Ive been trying to get help with for some time

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Contacted the bankruptcy court on XX/XX/scrub> 2024, certified mailing # XXXX to inquiring on their method of verification with the credit bureaus. I would also request the procedure they follow when furnishing information which is reported to the credit bureaus. I also included a self-addressed, stamped envelope. They responded with a letter dated XX/XX/year>2024, notified me that the do no have jurisdiction over the credit agencies and do not report to credit repoting agencies. 
On XX/XX/year>2024, I sent a letter to the credit agencies to Immediate Deletion of Fraudulent Debt Reporting from Credit Bureau Records, BANKRUPTCY DOCKET - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX and thay refuse to delete the information.

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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
The credit bureau showed a late XXXX payments were made on time. I called the company, and they verified payment was on time credit bureau has not removed it, keeps sending me back to the credit card company for them to remove but they are reporting it accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
This account was sold to another debt company without my knowledge because I have contacted the primary lender SETOYOTA FIN DBA OF WO explained to them that I had lost my employment due to a worldwide sickness Covid that I was asking for some help. Also I had to relocate causa change of address which I never receipt notification either my email or mail Stating the resolution of this matter. I was refused hello in time of Need and didnt give me the chance to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I purchased a {$500.00} XXXX gift card at XXXX XXXX XXXX. I attempted to use the gift card at multiple stores that I have used XXXX gift cards at previously, but this card did not work at any of those same stores. I called XXXX, and the representative said there was a problem with the card. I requested a refund check for the {$500.00} I had loaded to this XXXX gift card in addition to paying a {$4.00} purchase fee. The representative gave me a XXXX # XXXX and requested I send an email to XXXX including the request for the refund, a picture of the receipt with the front and back of the defective gift card and the packaging. I submitted all of the requested information that day and was told it would take XXXX business days for my refund check to arrive. I called back on XX/XX/XXXX because I still had not received the refund check and after speaking to a supervisor was told the check would be reissued and mailed out in XXXX business days. After returning from the holidays with my family, the check had still not been delivered in my held mail, so I called again on XX/XX/XXXX and requested a refund check be expedited since it has been over 2 months. I have still not received any refund for the defective and inactivated gift card, I would appreciate any help in getting this refund promptly processed, and requested this complaint be published online at this shameful business practice of selling a product that doesn't work and then holding the consumer 's money for over 2 months claiming there only way to communicate with the " back office '' that processes refunds is via interdepartmental email. Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
XXXX acknowledges my signature is not on the mortgage note that originated in XXXX and has escalated the matter to XXXX XXXX XXXXXXXX, which has been unresponsive to these entreaties. XXXX XXXX XXXXXXXX continues re-reporting this mortgage, further harming my XXXX XXXX. I have never been late on a payment, yet my XXXX XXXX is negatively impacted by late payments attributed to XXXX XXXX, a high balance that exceeds the original credit limit, and now, his foreclosure. 
Request for Information : I, XXXX XXXX, kindly request written documentation from XXXX regarding the following : 1. The federal and state lending guidelines that confirm it is permissible under Maryland law, as well as the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), not to require the signatures of all borrowers listed in a loan modification who are also named on the original note. 2. Proof that it is permissible to modify the terms of a loan, increase the balance, extend the term, and transition from a conventional loan to a Balloon loan without obtaining the consent of the borrower named in both the original and modified note. XXXX. XXXX claims they have no tracking of the letter sent to Bank XXXX XXXX in XXXX of XXXX, which is concerning considering this was such a significant error. I request new correspondence be sent to XXXX XXXX XXXXXXXX confirming this unlawful error immediately, as they currently hold the unexecuted note that XXXX originated without my consent, knowledge, or signature.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief