vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: CA

Complaint narrative:
When I requested information in regard to my loan, this information was not provided in the time frame they indicated. 

Furthermore, I am writing to follow up on my school misconduct application, which was submitted about 60 days ago. As of today, I have not received any response or update regarding the status of my application. I am concerned about the delay and would appreciate any information you can provide about its current status. 

The details of my application are as follows : Application Submission Date:XXXX School Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX my account, we are approaching the deadline for my forbearance, and I have not yet received an update regarding my school misconduct application. I would like to know the status so I can take the appropriate actions.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX was XXXX of the first companies that was willing to extend credit to me. I am writing to humbly request that you would be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies. I have XXXX late payment on XXXX XXXX Account # XXXX, from last month XX/XX/XXXX. I have never had a single missed payment and this one was due to me switching my autopay bank account details.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX was XXXX of the first companies that was willing to extend credit to me. I am writing to humbly request that you would be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies. I have XXXX late payment on XXXX XXXX Account # XXXX, from last month XX/XX/XXXX. I have never had a single missed payment and this one was due to me switching my autopay bank account details.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX was XXXX of the first companies that was willing to extend credit to me. I am writing to humbly request that you would be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies. I have XXXX late payment on XXXX XXXX Account # XXXX, from last month XX/XX/XXXX. I have never had a single missed payment and this one was due to me switching my autopay bank account details.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
My son at XXXX went to purchase a car. They asked me to be a co signer however they did not list me as a co signer. The actual loan is in my name. They request that we put a down payment and we did a trade in. However the car is a used 2013 kia shortage but Im paying the price for a new car. The car also has an engine recall and the dealership knew it. The payments are extremely high and I have a car note on my car. I feel as though the contract is not fair and Im being ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My bank card has been scamed into and money way taken out of. I have been contacting my bank but noones done anything.

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 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$650.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The IRS considers a charge off to be income, Eather as gross or ordinary income and doesn't belong on my credit report .so this is this information on my credit report isn't accurate! By IRS rules any canceled debt or charge off is classified as income reporting this as debt is also incorrect. according to 15 USC 1681 S-2 Applied bank. account number XXXX is reporting in all XXXX credit bureaus XXXX XXXX bank ss account number XXXX and XXXX  account number XXXX all report inaccurate information on my credit report. And request remove from all my credit reports asap

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SoLo Funds Inc.
State: WY

Complaint narrative:
Solo funds failed to disclose how their credit system works. I approved a loan ( {$190.00} ) on XX/XX/year>. I purchased lender protection which GUARANTEED 90 % of my money back if the loan was not repaid in due time. They credited {$170.00} and when I inquired about where this was stated, clearly informing lenders that they will essentially keep your money and you have to use credits to fund other loans for a return. Ive reached out to solofunds on multiple occasions trying to get the clarification or get this sorted out and they promptly disabled my account to prevent me from lending said credits as well as block or ignore my emails. Theyve also gone to the extent to remove my review highlighting their revoked XXXX  accreditation and previous CFPB lawsuit against Solofunds in regards to deceptive and unethical business practices and illegally obtaining fees from the consumer. Clearly they are still being deceptive and stealing from the consumers. They have knowingly and intentionally defrauded me as well as others to steal millions. THEY NEED TO BE HELD LIABLE FOR THIS!

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got a credit card with the XXXX XXXX XXXX XXXX with the balance of {$5500.00}, to pay off some debts that I accumulated when I was without a home. Surely after XXXX came and I literally had to live off a credit card but because Ive always had good credit and cared about my credit, I decided to use a third-party to not only reduce my debt I settled it the first time in XXXX, and they kept sending me notices so I had to call my third-party company again, who then had to reach out to them again to clear my debt. But they have not removed it from my XXXX XXXX and its been More than XXXX days. The XXXX XXXX XXXX XXXX is XXXX of the most unprofessional lenders I have ever had the unfortunate privilege of coming across. Ive never had this amount of negative feedback, lack of care, and quite frankly unprofessionalism in a very long time I take full accountability for me not being able to pay for what I needed to pay for at the time, but I did what I was supposed to do and that was pay off my dad with the contract by NI agreement that we had. Ive sent actual photo proof to experience showing that the balance should be XXXX and taken from my credit, but they have yet to do it. Ive also sent messages showing that a representative from XXXX XXXX. XXXX XXXX themselves have reached out to me showing that they see that my account has been paid off, but they have yet to take the time to actually report it to the to the credit bureaus. It is completely unprofessional, and quite frankly experience needs to be sued for their lack of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL

Complaint narrative:
Repeated phone calls from dept collectors, including XXXX services for procedures  that that I was not pleased with. I am not able to make any restitution because they put the procedure  XXXX on a credit care credit card. I have to just accept my situation and pay for it. Also, the doctor left the company 1 month after 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN. regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report XX/XX/year> ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. 

Despite my request, [ Credit Bureau EXPERIAN. Has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandat

ed 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are requ
ired to investigate and correct inaccurate information upon notice of a dispute. 

Additional Information : Attached documents : [ 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian about a XXXX  loan that was paid off for XXXX XXXX  and it didn't get resolved. I called XXXX XXXX  and sent all my paperwork showing that the loan is paid off and they are still asking for payment.

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 was paid
Company: Bessine Walterbach, LLP
State: IA

Complaint narrative:
My wages were garnished already by another creditor. the debt was paid in full. I am getting letters from another debt collector attempting to collect the same debt. photo is of the 2nd debt collector trying to collect the old debt that was already paid

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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EQUIFAX. regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report XX/XX/year> ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. 

Despite my request, [ Credit Bureau EQUIFAX. Has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i.

Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute. 

Additional Information : Attached documents : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief