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: 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a Citibank customer of 3o years who has been a victim of fraud, Citibank has not handled this situation and in fact is doing NOTHING to resolve it. 

I am writing to express my deep frustration and disappointment regarding the handling of a stolen check for {$5500.00} that was fraudulently endorsed and cashed by someone through XXXX  XXXX XXXX. Despite my long-standing relationship with Citibank spanning over 30 years, I have not been reimbursed for this clear case of fraud, which occurred over three months ago. 

I have provided all necessary documentation, including affidavits from my landlord, verifying that the check was never received. Citibank has refused to refund me, claiming the responsibility lies with XXXX XXXX XXXXXXXX. However, I believe Citibank is partially to blame for failing to protect my funds, especially as the check was improperly processed and cashed. 

This situation has left me appalled at the lack of accountability and customer care. I trusted Citibank with my financial security, and their refusal to resolve this issue is unacceptable. I demand immediate action to rectify this situation and reimburse the stolen funds. 


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 — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: OR

Complaint narrative:
Had byte aligners and payment plan went through westlake portfolio. The aligners stopped fitting after a few trays and weren't doing what they were supposed to. Was never able to finish treatment or get results so not going to pay all this money for a service that didn't get any outcome or results. Contacted byte and they never offered to remake aligners and just told me to basically start over and wear trays for longer which I tried and they didn't fit at all when going backwards and could not further any treatment. I told westlake this through email with no reply or help. 

ALSO byte recently announced they were stopping treatment for patients with certain dental conditions including open bite which was my case due to safety precautions!! 

They still send me emails all the time telling me to pay and have called me over 50 times from different phone numbers in less than a month!! I have call logs saved. That is insane.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I XXXX XXXX XXXX dispute and require immediate removal of the collection item entered on my XXXX Credit Report by Credence Resource Management , LLC. 
At no time have I given prior consent expressly to the debt collector Credence Resource Management , LLC to communicate with any third party regarding this debt, and a third party includes communicating with any credit reporting agency or service. 
Specifically, 15 U.S. Code 1692c ( b ) - Communication in connection with debt collection prohibits any third-party debt collector from communicating with anyone other than the debtor or the debtors attorney or any court of competent jurisdiction. 
Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
Therefore, because the applicable statutory provisions requiring obtaining consent from the debtor to communicate with any third party were not followed, the debt collection of Credence Resource Management , LLC must be permanently deleted from the credit profile

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: EQUIFAX, INC.
State: FL

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 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 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 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 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 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 XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In XXXX, I contacted ChexSystems and XXXX to dispute fraudulent information on my consumer report related to accounts and inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX and XXXX XXXX XXXX. These accounts were opened fraudulently using my Social Security number without my knowledge or consent. I am a victim of identity theft, as documented in an FTC Identity Theft Report and a police report ( HPD Case # XXXX ). Despite providing detailed evidence and requesting the removal of fraudulent data, ChexSystems and XXXX has failed to remove these items from my report. The fraudulent account with XXXX  for example, shows a balance of {$3600.00}, and was opened on XX/XX/XXXX at a car dealership without any verification of my identity. I have taken numerous actions, including disputing the accounts with Chexsystems and XXXX, XXXX, and credit bureaus, and providing all requested documentation to prove the fraud. Chexsystems and XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove fraudulent information, as required under Sections 605B and 611. Their inaction continues to harm my credit and financial reputation. Actions Taken : Submitted identity theft and police reports. Contacted Chexsystems and XXXX. In XXXX to request removal of fraudulent accounts. Disputed the fraudulent accounts with creditors and other credit bureaus. Resolution Requested : I request that Chexsystems and XXXX immediately remove all fraudulent information from my consumer report and provide written confirmation of its removal.

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 — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
See related complaint : XXXX Have been attempting to get the US Department of Education and Mohela to process my PSLF application for literally months, as I reached 120 payments a while ago. Because they have delayed in processing, I am still required to make monthly payment to Mohela. 

I not only submitted multiple PSLF forgiveness applications dating back to XXXX and XXXX, but I submitted buyback requests and reconsideration requests that were IGNORED and closed without any response. I made a payment in XX/XX/XXXX that DEPT OF ED is ignoring and not counting because of some arbitrary rule they made up, DESPITE THAT MY PAYMENT WAS MADE BEFORE THEY ENTERED EVERYONE INTO AN INVOLUNTARY FORBEARANCE. 

Despite that, I have persisted. I made my # XXXX no later than XX/XX/XXXX if the XX/XX/XXXX was counted. Regardless, I made yet another payment for XX/XX/XXXX, just so I could be finished. That STILL hasn't processed and now I have a XX/XX/XXXX payment due in LITERALLY 7 DAYS. 

To avoid that, I have to be in a forbearance. I have repeatedly requested forbearance, which has been ignored. 

Not only is the Dept of Ed taking too long to process applications, but a large part of the problem is that MOHELA is not accurately and timely reporting payment histories to the Dept of Ed. 

When I attempted to call Mohela on XX/XX/XXXX for a processing Forbearance to avoid paying months I do not owe, I sat on hold for over two hours before I was abruptly hung up on. I had to call back, whereupon I was told it would be ANOTHER 97 minutes before my turn in line ( after they hung up on me and lost my place in line ). I requested them to initiate a callback and they did not call back. 

In the meantime, my application sits ignored, even though I should have been forgiven in XXXX. Once forgiven, the DEPT OF ED takes forever to inform their servicer, DURING WHICH TIME I AM STILL EXPECTED TO PAY THEM SINCE I CAN NOT GET THEM ON THE PHONE, NOR OBTAIN AN ONLINE FORBEARANCE. I made what is INDISPUTABLY my last payment in early XXXX. Dept of Ed continues to ignore my repeated Apps for forgiveness. This should have been handled over a month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately as far late payments The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payments I'm now requesting you investigate this account and update these payments and account to be deleted and removed Immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately as far late payments The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payments I'm now requesting you investigate this account and update these payments and account to be deleted and removed Immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am listing accounts 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 XXXXnformation 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 has hurt my ability to obtain credit.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My problem is the fraudulent names, addresses, and inquires that is on my credit report. 
I want to get everything that is not supposed to be on my report I want it removed immediately. XXXX XXXX XXXX is fraudulent name that is on my report. XXXX XXXX and XXXX XXXX are XXXX addresses that is fraudulent on my report. The hard inquiries are XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All these things have reported to my credit without my authorization and I would like removed

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My information was exposed in a Data breach I also was part of two different class action concerning my Information My last class action was in 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: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax, XXXX, and XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for XXXX from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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