vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: GA

Complaint narrative:
Personal request to ensure that NO INACCURATE, INCOMPLETE, or BIAS DEROGATORYinformation is reporting on my Consumer Credit Report and that any such information due to result of identity theft, ESPECIALLY THOSE PREVIOUSLY BLOCKED and DELETED by other CRAs, are immediately deleted from my file. 



XXXX is fraudulently reporting student loan accounts to my credit profile. XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the three major CRAs, Experian, XXXX, and XXXX. There are several XXXX  accounts that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading, or factually invalidated information. I have been made aware of the following accounts that can not be verified and it must be immediately BLOCKED and DELETED from my credit profile. I have completed and filed an FTC IDENTITY REPORT and attached the document to the complaint filed and delivered via CFPB communication portal to the 3 CRAs, EXPERIAN, XXXX, and XXXX. ( See documentation attachments )

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 2024-09-15 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
I purchased the XXXX XXXX XXXX XXXX on XXXX XXXX. The check engine light came on the 2nd day of me driving the car. I took it back to Byrider. I asked was it possible to switch to another car because I didnt want a car with a check engine light on I was told NO. The service manager at the time XXXX looked at it and said its a sensor problem and the state of Virginia states they dont have to fix it I was confused and upset. They advertised used reliable cars and help people low/bad credit so I trusted I would get a reliable car. Within 60  days the engine blew they claim to have fixed the engine and the reason the check engine light is on. The check engine light came on and stayed on. Then a few weeks later the car was over heating and wouldnt start. I went to advance auto and was told I needed a new battery because the one in it wasnt the right battery for my vehicle type so I spent {$220.00} on a new battery. My car was over heating because it was leaking antifreeze. Took it to service and the radiator was cracked, water pump cracked, C02 sensor replaced, bent control arm, I had to pay {$360.00} for them to fix the car mind you the warranty only covers certain parts and there is a {$60.00} deductible every time you bring the car in to get fixed and I dont trust that they were actually fixing the problem. When I came to pick the car up XXXX the service manager at the time said they seen I also have an exhaust leak but they didnt fix it because they already did a lot of work to my car. That statement confused me as well because why wouldnt you fix it or call me to tell me the other issues found with the car. So I just take the car and drive off. Im not rich I went to that car lot because of the false advertising of reliable used cars. I was sold a lemon and I contacted them several times about the vehicle even tried speaking with the manger who was very rude to me and showed no empathy to the issues that I brought to his attention about the vehicle that was sold to me. My car was only worth XXXX $ and was paying {$15000.00} for the car. My car note was {$520.00} a month. I lost my 2nd job because of me not being reliable to show up on time because of the car not being reliable but Im still paying for a car that wasnt working like it should. I lost time, money all behind this car and I want my money back. The stater went out then the transmission and at that point I was over the car I only had it for 10 months before I voluntarily repossessed the car. I had my insurance tow it to them. Now I get a letter saying they sold the car for only {$900.00} and I owe over $ XXXX still which is ridiculous since I was sold a lemon. Please I need help trying to recoup money that I lost because of Byrider Im without a car and dont have the funds to get another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : National credit system ( Original creditor : XXXX XXXX ) & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. 

Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
XXXX 's official store willingly or accidentally misleads customers into inadvertently opening a second credit. 


XXXX XX/XX/year>. 
I already have XXXX 's Goldman Sachs credit card, and, via the official apple store, I tried to finance an iphone using this card card. Their checkout process offers XXXX official " XXXX '' branded financing options and it is unclear that XXXX of them is with a new bank, " citizens XXXX ''. I accidentally selected the wrong " XXXX '' branded financing and accidentally opened a new card due to XXXX 's confusing website. 

XXXX XX/XX/year> I have since cancelled this order and XXXX says the account will be on my credit report as " closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: NC

Complaint narrative:
I am writing to formally request an investigation into Equifax, which has reported negative information on my credit file without my consent or authorization. I have never signed any application allowing this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Equifax nor the reporting entities have provided this documentation. The debts in question include : XXXX XXXX : {$680.00} XXXXXXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX : {$890.00} XXXX XXXX  : {$1600.00} XXXX XXXX : {$410.00} This raises serious concerns about Equifaxs compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has significantly impacted my credit score and financial standing, causing undue hardship. Under the Fair Credit Reporting Act ( FCRA ), I have not given any entity the authority to access or report information about me. Equifaxs failure to comply with these legal requirements has caused harm to my credit standing. 
I respectfully request that the CFPB investigate this matter and take immediate action to ensure this inaccurate and unauthorized information is removed from my credit report. I have repeatedly communicated my concerns to Equifax, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, Equifax continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, along with proof of identity to determine who applied for these illegitimate debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
The company that is suing me is engaging in re-aging which is illegal under the FCRA. I opened the account in XX/XX/XXXX and they are suing me in XX/XX/XXXX under the guise that the account still has a shelf life. This means they are knowingly perjuring the courts, because they also made sure he original creditor dropped the date off of my credit report and sued me on the actual month its suppose to drop off, as. I have two other accounts that were opened in the same time frame that are held by them and dropping off in XX/XX/XXXX and XX/XX/XXXX. This is wrong! They re-aged it and I never noticed, nor acknowledged this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: PA

Complaint narrative:
In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX Waypoint Resource group XXXX Dept Of XXXX XXXX Has XXXX XXXX rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to this ( XXXX ) treatment of inaccurate of unverifiable information. ( A ) in genera, after any investigation under paragraph ( XXXX ) of any information disputed.

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 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I want to make sure XXXX included in the lawsuit for Navient as I had them servicing my student loans for so many years and they would not allow me any affordable options to lower my payments. Instead I had to go into forbearance and accrue so much interest. Also, I lost credit towards my years of paying back my loan. I want to make sure XXXX included in the lawsuit. I do not trust Navient to do so. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I BOUGHT A XXXX TURN MOWER FROM XXXX SYNCHRONY DOES THE FINANCING. I BELIEVE IN XXXX AND HAD MADE ALL PAYMENTS THROUGH XXXX XXXX XXXX XXXX BILL PAY, SOMETHING THAT I HAVE BEEN DOING FOR YEARS. ON XXXX XX/XX/XXXX I MADE A PAYMENT OF {$550.00} WHICH LEFT A BALANCE OF {$300.00} WHICH WAS PAID ON XXXX XX/XX/XXXX. THIS LAST PAYMENT THEY ARE SAYING THAT THEY DIDN'T RECEIVE. I CALLED THE AND PROTESTED THAT AS ALWAYS XXXX XXXX HAD ISSUED A CONFIRMATION NUMBER : XXXX AND XXXX ONLINE PAYMENT NUMBER XXXX. THIS I SENT THEM AFTER RECIEVING THEIR FIRST LETTER DATED XXXX XX/XX/XXXX TELLING ME THAT THE PAYMENT HAD NOT BEEN CREDITED TO MY ACCOUNT. I THEN FAXED THEM THE INCLOSED COPIES OF THE PAGES WHERE I HAD DOWNLOADED FROM MY PAY SHOWING THE ELECTRONIC CONFIRMATION NUMBER XXXX. ON OR ABOUT XXXX XX/XX/XXXX I RECIEVED AN EMAIL DATED XXXX XX/XX/XXXX REQUESTING A COMPLETE BANK STATEMENT. I WENT TO THE BANK XXXX XX/XX/XXXX AND REQUESTED A LETTER SHOWING WHERE THIS PAYMENT HAD BEEN MADE AND WHEN I GET THIS LETTER I WILL SEND IT TO THEM BUT I AM NOT GOING TO GIVE THE ACCESS TO VIEWING MY CHECKING ACCOUNT WHICH I DO NOT BELIEVE IS THEIR BUSINESS.

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 2024-09-15 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: CL Holdings LLC
State: IN

Complaint narrative:
Have an inquiry on my Report from this source called Jefferson capital systems for {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15usc1681. 

Account name # XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX XXXX XXXX, Account name : #, Account name : #, Account name : # has violated my rights. 

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 an 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 2024-09-15 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-15 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: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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