vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I had cable & internet services with XXXX XXXX from XXXX to XXXX and during the course of my time with them I had several issues with my internet connection, and they sent technicians out to my home in which they would switch out the cable box. They were supposed to be logging them in the system that they were returned but they did not! When I moved in XXXX and my services with XXXX XXXX was transferred, they then added {$2000.00} to my bill! I contacted them to inquire why this amount was added and then they told me that I was in possession of XXXX cable boxes! I proceeded to tell them that this is INACURATE information. I never had any extra equipment in my possession, other than the one that was currently hooked up in my home. I then proceeded to tell the representative that I don't have the equipment and never had the equipment ... I told her that our cable boxes were changed out several times over the years and the technicians took the old boxes after they would switch them out. She proceeded to tell me that this happens often where the equipment isn't logged in and the customer is charged for the equipment, even though they don't have it. I asked her what do I need to do and her solution was to just keep calling and telling customer service representatives that I do not have the equipment. I did not have time to continue to do this and didn't have money to pay the enormous bill, so my services were cancelled. XXXX years later, Credence Resource Management put {$2300.00} on my credit report on behalf of XXXX XXXX. I sent a letter asking them to provide certain information such as : - Name and mailing address of the original creditor - The date you acquired this alleged debt - The date of first delinquency on this account - Proof that your company is licensed to collect in Virginia- The original balance owed on the account - A breakdown of any interest, additional charges, or fees your company has added to the account - A copy of the notice you sent me regarding my rights to validate this account before you presume it is accurate to the credit bureau They did not provide all of this information ... I want this to be investigated as to what happened to the equipment. Where are the reports that the technicians did when they came to my home to service my internet. There should be reports of what they did and that the equipment was replaced. This equipment is probably sitting in their warehouse or has been destroyed, and they want me to pay the bill instead of doing a proper investigation on what happened with the equipment. I appreciate any help you can provide to help resolve this issue. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Based on publicly available information, it is my understanding that the CFPB has prohibited XXXX from servicing or managing any student loan portfolios due to their history of deceptive practices in payment reporting and collections. This decision highlights the systemic issues within XXXX 's operations, which have caused countless difficulties for borrowers like myself. Attached is an email from XXXX regarding the forbearance of a loan they managed for me in XXXX 2019. However, the information reported to credit bureaus does not appear to align with the forbearance timeline as I understand it. This discrepancy raises serious concerns about the accuracy and reliability of the data XXXX has provided. 

XXXX has previously stated that they would " never send an email requiring only a \ [ one-word ] reply to establish forbearance, '' yet this claim is contradicted by the evidence I have provided. The email they sent me explicitly requests a simple response, which I complied with in good faith, expecting that my loan status would be accurately reflected. Unfortunately, this has not been the case, and it appears that XXXX 's practices continue to create confusion and harm for borrowers. 

This issue has arisen repeatedly and is becoming increasingly frustrating. Despite being fully informed of the situation, TransUnion has refused to take corrective action, even though other credit reporting agencies have addressed the discrepancies. This lack of intervention from TransUnion is particularly troubling, as it has left my credit report inaccurately reflecting my loan status and further exacerbating my concerns. Additionally, XXXX had previously agreed to ensure the accuracy of the information they report to credit bureaus, yet these discrepancies remain unresolved. I am seeking accountability and resolution for this issue, as the impact on borrowers financial well-being is significant and can not be ignored.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Based on publicly available information, it is my understanding that the CFPB has prohibited NAVIENT from servicing or managing any student loan portfolios due to their history of deceptive practices in payment reporting and collections. This decision highlights the systemic issues within NAVIENT 's operations, which have caused countless difficulties for borrowers like myself. Attached is an email from NAVIENT regarding the forbearance of a loan they managed for me in XXXXXXXX XXXX. However, the information reported to credit bureaus does not appear to align with the forbearance timeline as I understand it. This discrepancy raises serious concerns about the accuracy and reliability of the data NAVIENT has provided. 

NAVIENT has previously stated that they would " never send an email requiring only a \ [ one-word ] reply to establish forbearance, '' yet this claim is contradicted by the evidence I have provided. The email they sent me explicitly requests a simple response, which I complied with in good faith, expecting that my loan status would be accurately reflected. Unfortunately, this has not been the case, and it appears that NAVIENT 's practices continue to create confusion and harm for borrowers. 

This issue has arisen repeatedly and is becoming increasingly frustrating. Despite being fully informed of the situation, XXXX has refused to take corrective action, even though other credit reporting agencies have addressed the discrepancies. This lack of intervention from XXXX is particularly troubling, as it has left my credit report inaccurately reflecting my loan status and further exacerbating my concerns. Additionally, NAVIENT had previously agreed to ensure the accuracy of the information they report to credit bureaus, yet these discrepancies remain unresolved. I am seeking accountability and resolution for this issue, as the impact on borrowers financial well-being is significant and can not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
Upon reviewing my credit report, I discovered NAVY FEDERAL CREDIT with the account number XXXX having 30 late payments in XX/XX/XXXX and XX/XX/XXXX. These errors include the failure of the creditor to accurately reflect payments made by me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided

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 2025-02-16 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:
Upon reviewing my credit report, I discovered NAVY FEDERAL CREDIT with the account number XXXX having 30 late payments in XX/XX/XXXX and XX/XX/XXXX. These errors include the failure of the creditor to accurately reflect payments made by me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I have been a victim of Identity Fraud since 2022. I have provided XXXX XXXX XXXX XXXX XXXX XXXX  and Chex Systems with a police report, identity theft affidavit, 2 personal affidavits, statements and correspondence from all financial institutions showing that this has been an ongoing issue and most of them after realizing it was indeed fraud they emailed me and had claims approved. All documents were sent by mail as a certified letter. The 2 companies have also been emailed these documents as well. XXXX and Chex Systems have failed to uphold any rights I have as a consumer even when faced with proof. They have not removed any of this info. This information continues to negatively affect my credit which affects my financial well being. This has been catastrophic and has led me to pay thousands of dollars to clear my name in court and most of all doing credit repair.

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 2025-02-16 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: VA

Complaint narrative:
Transunion, Equifax & Experian have violated FCRA by reporting inaccurate information to deny well-qualified status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: VA

Complaint narrative:
Transunion, Equifax & Experian have violated FCRA by reporting inaccurate information to deny well-qualified status

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have contacted the company by mail to remove the accounts from my credit report several of times within the past year due to reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX National Credit Systems XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: World Acceptance Corporation
State: SC

Complaint narrative:
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 RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NJ

Complaint narrative:
I am filing this complaint against the Credit Bureaus for reporting willfully false information FCRA 616 ( 15 U.S.C. 1681n ). They reported XXXX XXXX XXXX XXXX as a Charge off with a balance of {$5200.00}. I have never received a 1099C for this debt. They did not provide a 1099C to accurately reflect this as a charge-off for tax purposes.

I know that Under 15 U.S Code 1681i Treatment of Inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) 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 the item of information as appropriate based on the results of the investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: NJ

Complaint narrative:
I am filing this complaint against the Credit Bureaus for reporting willfully false information FCRA 616 ( 15 U.S.C. 1681n ). They reported XXXX XXXX XXXX XXXX as a Charge off with a balance of {$5200.00}. I have never received a 1099C for this debt. They did not provide a 1099C to accurately reflect this as a charge-off for tax purposes.

I know that Under 15 U.S Code 1681i Treatment of Inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) 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 the item of information as appropriate based on the results of the investigation

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against the Credit Bureaus for reporting willfully false information FCRA 616 ( 15 U.S.C. 1681n ). They reported XXXX XXXX XXXX XXXX as a Charge off with a balance of {$5200.00}. I have never received a 1099C for this debt. They did not provide a 1099C to accurately reflect this as a charge-off for tax purposes.

I know that Under 15 U.S Code 1681i Treatment of Inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) 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 the item of information as appropriate based on the results of the investigation

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 2025-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld Systems Inc - XXXX On XX/XX/XXXX, a bill in the amount of {$620.00} was received at my residence from this company, which stated they are representing XXXX XXXX XXXX. This amount is unfamiliar to me, and unknown. Upon speaking with this company, the representative, XXXX XXXX was very pleasant and indicated this debt was owed from XXXX, and she was alarmed at the length of time this account was owed, prior transfer to them, which she indicated was recent. She had no further information to share but promised to " dispute '' the debt and request further information for me. 

I am awaiting such information. 

However, this debt owed, if owed, is 18 years old. I have had an account for a gas utility with the same company since at least XXXX, always paid in full. This notice was received at the address I have been at since XXXX. Why is this debt surfacing now? How will XXXX XXXX prove to me that this is owed? How will I prove to them it has been paid previously? I have no access to bank records 7+ years old. Why was I not notified at the time I enrolled in and activated an account in XXXX? Why have I not received any billing / notice / prior debt collection / letters / phone calls / text messages/ emails? I have an XXXX credit rating. I am not hard to find. At any point XXXX XXXX/ any debt collection agency could have skip-traced / XXXX and found me. 

Is it not unusual that this debt is surfacing at a time of political administration change? Was this debt " charged off '' or archived at any point since XXXX and is now being pursued due to such administration change? What rights do I have after 18 years to dispute this due to challenges I will face obtaining documentation supporting me, as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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 ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX - Balance : {$700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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