vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account** Dear XXXX XXXX XXXX I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. 

I have reviewed my credit report and noticed that your company is reporting a collection account that I believe to be inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. To assist you in meeting this request, please provide the following documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. The Date of Last Activity on the account. 
XXXX. Full, accurate identification ( e.g., my Social Security XXXX ) that XXXX help to identify me as the correct person you are attempting to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies, or provide the requested validation. 

Please understand that failure to comply with this request XXXX result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NY

Complaint narrative:
The loan was sent a third party service provider that Im not familiar with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: AR

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Why is it for years i have never been late on payments and Carry no balance but my credit score stays the same, what legal action may I take to investigate this. The credit score agencies are out of control.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Why is it for years i have never been late on payments and Carry no balance but my credit score stays the same, what legal action may I take to investigate this. The credit score agencies are out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Equifax for failing to correct inaccuracies on my credit report despite my multiple requests for re-investigation. Although my previous complaint was closed, the errors remain unresolved and continue to negatively impact my credit score. 

XXXX. I have made several attempts to resolve this issue, but the inaccuracies persist. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly re-investigate or correct the inaccuracies on my credit report. 

XXXX. FCRA Section XXXX ( b ) ( Maximum Possible Accuracy ) : The credit bureaus failed to ensure the information reported was accurate and complete. 

FCRA Section XXXX ( a ) ( XXXX ) ( A ) : The bureaus did not take appropriate action or conduct a thorough re-investigation following my dispute. 

I request that appropriate action be taken to ensure that XXXX, XXXX, and Equifax comply with the FCRA and correct the inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MD

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected 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 non-monetary relief
Consumer complaint received 2025-01-03 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 request the immediate deletion of this unauthorized entry from my credit report, as it is not connected 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 2025-01-03 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: MD

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2025-01-03 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 requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2025-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
In XXXX financed a vehicle through Chrysler capital for a XXXXXXXX XXXX and it was a repossessed after unsuccessful payments after a few months repossessed the vehicle back and got it back in perfect conditions. A company called XXXX XXXX ( who was not the initial company I financed with ) filed a lawsuit saying I owe over {$13000.00} on the vehicle and XXXX years later filing multiple bank levies due to the unresolved debt. They received the car back in great condition and this was over XXXX years ago. When they file the bank XXXX XXXX XXXX in XXXX I talked to an attorney and tried to negotiate a payment arrangement to solidify the debt even though the amount theyre asking for is much higher then it should be. On top of the fact the finance company that I financed the XXXX with was a different company named Chrysler capital, this additional company called XXXX capital has still pursued to sue when they I tried to work out a payment arrangement just to settle which they did not respond to. I agree to pay a monthly fee of {$150.00} and they never responded but continued to file bank levys. Not only has this affected my credit negatively but the attempt to continue filing bank levies 9 years later and asking for over {$13000.00} when they took the vehicle back when I am on low income with kids is unethical and scandalous. I did not respond to the initial filed lawsuit years ago only because the company suing me XXXX XXXX was not the bank. I financed the vehicle with initially and signed contracts with which as I said was Chrysler Capital. And since I signed contracts with Chrysler Capital as they were the ones who finance the vehicle I was unaware and was under the impression that these letters from XXXX were fraud or some type of scam. If I signed contracts with Chrysler capital then this breach is the initial contract for financing the vehicle when another bank called XXXX capital is trying to sue. I did not finance through them nor did I know after years that Chrysler capital was associated with them. This is scandalous bank, trying to collect on debt desperately by any means necessary on an account that should be closed out. The vehicle was repossessed, only after a few months so they got that back in great condition not to mention the amount they are suing for which is over {$13000.00}. The vehicle got repossessed because it was during a time in my life where I was recovering in treatment in Florida and did not have my life together. The fact that I got my life together and have children on top of making barely enough to pay for my expenses, this is unheard of and is preventing me from any chance of financial gain. For this complaint at the very least, I believe that it is only right that this is removed from my credit and closed out entirely due to breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Equifax for failing to resolve inaccuracies on my credit report. Despite multiple attempts to request a re-investigation, the incorrect information remains on my credit report. The previous complaint was closed, yet no action was taken to correct the discrepancies. 

I believe these credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 1681i They failed to properly reinvestigate the disputed information, leaving inaccurate details on my report.

FCRA Section 1681e ( b ) The agencies have not ensured the maximum possible accuracy of the information reported, as the inaccuracies still persist.

FCRA Section 1681i ( a ) ( 1 ) ( A ) No appropriate investigation or resolution was conducted after my dispute, violating my rights under the FCRA. 

These failures have resulted in inaccurate reporting, and I request that the CFPB investigate the matter and take corrective action to ensure the credit bureaus comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: WI

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 2025-01-03 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: WI

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.

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 2025-01-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi, I received an email from XXXX stating my account has been updated and if I didnt make changes to contact them through email. I did not make changes to my account so tried to log in and see what was changed but was not able to log in ( later found out that a criminal fraudulently accessed my account and changed at minimum the email and phone number ). I emailed as was instructed and was told that in order for them to look into the issue I had to send them my SS card, government issued ID and a bill/bank/insurance statement by fax or snail mail. So basically everything a criminal needs to commit identity theft, I had to send to experion in order to address that another criminal accessed my account. I tried calling experion and was trapped in their automated system where the system would not transfer me to a live agent nor was able to provide information on addressing the issue. The automated system did provide that the email on my account was XXXX which I do not have. I set up that account with my XXXX so that is when I realized the changes made were by someone gaining access to my account. I called again and tried a different set of commands and got a person. That person told me the same thing as the email- I have to send my SS card, government issued ID and bill/bank/insurance statement by fax or snail mail. So here I am, locked out of my account, no ability to check for fraudulent activity and the only way to fix this is for me to send a set of documents by snail mail or fax to experion and hope that no one else gets a hold of these documents as it is everything a criminal needs to steal my identity. And then wait for someone at experion to take the next steps in giving me my account back and hopefully destroying the documents I had to provide. XXXX has had data breeches so I am not comfortable with how this is being handled. I do not understand how someone was able to take over my account so easily and how difficult it is for me to get it back. I did not give anyone access or permission to take my account. 
The company responded to my cfpb dispute that there are no errors on my credit report. THIS IS NOT ABOUT MY CREDIT REPORT. This is about my online account with them where I can go to freeze/unfreeze my credit and view my reports. This account was taken over by a criminal and I can not get it back without putting myself at further risk of identity theft. I want my account back in my control. Thank 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 2025-01-03 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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