vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
Dear CFPB Complaints Team, I hope this message finds you well. I'm writing to bring attention to a concerning issue related to inaccurate information on my credit report, particularly concerning accounts linked to XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) and Elan Financial Services. 

I've made numerous attempts to rectify these issues through different channels, yet unfortunately, I haven't received satisfactory responses or seen compliance with my requests. 

According to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and validation of debts. Therefore, I am formally requesting specific documents and information to address these concerns XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Copies of any contracts signed by me that validate my liability for the alleged debt. 
Documentation proving the authority to make claims. 
Any detailed evidence, including signed contracts, that establish my liability for the alleged debt. 
Certified copies of initial balance sheets for the account in question. 
The entire promissory note related to the debt. 
A comprehensive disclosure of the alleged agreement and all contracts contributing to the claimed owed amount. 
A contract specifically authorizing the pursuit of the alleged debt against me. 
For Elan Financial Services : Documents substantiating the contractual obligation linking me to the alleged debt. 
Evidence confirming authority to pursue the debt on behalf of the creditor. 
Complete disclosure of agreements and contracts forming the basis of the claimed debt. 
Regarding the credit reporting agencies ( XXXX, XXXX, XXXX, XXXX ) : Detailed records of communications with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that include names, authorities, contact information, and documented evidence. 
Similar records for communications with Elan Financial Services, including contact details and documentary evidence. 
Signed disclosures authorizing the disclosure, verification, and validation of my consumer accounts. 
Documentation outlining the methodology used to modify my consumer report, including sources of information and validations considered. 
These demands aim to secure comprehensive information and documentation necessary for validating the debts in question and the processes used by credit reporting agencies. I am deeply concerned about the inaccuracies and the lack of response from involved parties, which seem to violate consumer protection laws. 

I kindly request your prompt attention and assistance in resolving this matter. Thank you for your time and consideration.

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 2024-01-04 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: LA

Complaint narrative:
I am writing to submit a formal complaint regarding non-compliance with my opt-out requests by the credit bureaus and lenders. 

On XX/XX/23, I submitted requests to XXXX, TransUnion, and XXXX, as well as XXXX and XXXX XXXX, to cease any authorization-related activities concerning my credit accounts. These requests were made under my rights as a consumer protected by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

Despite these requests, I have not received acknowledgment or confirmation of the termination of authorization-related activities from the mentioned entities. The accounts in question include my XXXX XXXX XXXX XXXX  ( Credit Card and Auto Loan ) and my XXXX XXXX auto loan. 



Enclosed with this letter are copies of my original opt-out requests and any relevant documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: LA

Complaint narrative:
I am writing to submit a formal complaint regarding non-compliance with my opt-out requests by the credit bureaus and lenders. 

On XX/XX/23, I submitted requests to XXXX, XXXX, and Experian, as well as XXXX and XXXX XXXX, to cease any authorization-related activities concerning my credit accounts. These requests were made under my rights as a consumer protected by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

Despite these requests, I have not received acknowledgment or confirmation of the termination of authorization-related activities from the mentioned entities. The accounts in question include my XXXX XXXX XXXX XXXX  ( Credit Card and Auto Loan ) and my XXXX XXXX auto loan. 



Enclosed with this letter are copies of my original opt-out requests and any relevant documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2024-01-04 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
The debt has been paid in full with the doctors office and Eastern XXXX will not remove it from the credit reports as paid in full. I have contacted them and the doctors office has contacted them several times. It is ruining my familys life with this debt staying in my credit report purposely to hurt me. They keep saying its verified but it is not verified and not owed. It has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Services of Michigan
State: MI

Complaint narrative:
The XXXX XXXX XXXX XXXX has illegally sued me regarding a small fire that was very easily contained and controlled, which was extinguished and completely put out well before the XXXX XXXX XXXX Department had even arrived. They stuck me with a bill of {$1300.00}, which was originally declared as {$1500.00}. The fire in question occurred on a property that I didnt even own! I told the Chief of the Fire Department that the fire was not an emergency, but he ignored what I tried to tell him. It was extremely visible that the fire was fully extinguished, and Chief XXXX XXXX of XXXX XXXX XXXX Department continued to order his crew to deploy the fire hoses and douse the no longer burning fire. I had NOT signed and actually refused any documents he angrily demanded I put my signature on, declaring the incident my fault. For the last 4 years he has been pursuing collecting money from me that I Am NOT responsible for or to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company removed the account and re added it 3.5 years later the issue was settled with the original lender the vehicle was not drivable I notified them them they allegedly had nothing else available and offered to redeem the car and whipe away my dent because i was current with every payment up until issues with the vehicle not starting the company had already sold my trade in that i used to purchase the vehicle so they decided to settle so i can by a more expensive car off there lot upon returning the vehicle i disclosed i wasnt interested in doing business with them again and in turn would just like to return their vehicle and go else where and they could keep what they owe me from my trade in in exchange of clearing my debt this was discussed in length now when it hit my credit i was shocked and reached out they disclosed the company was shut down / sold off and now i was there problem they removed the debt but now years later its reaapeard this has been 7 years the loan should not even be on my report as its far too old it seems very coincidental that it just reappeared they keep trying to convince me to settle on a amount and i refused they have all the payments i made plus my trade in plus the vehicle they sold me if thats mot a rip off i have no idea what is i litterally got robbed.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, 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 explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I paid off a loan in XX/XX/2023 and it still remains as unpaid on my credit report. I called Edfinancial in XXXX and was told that the report monthly and maybe I just missed the cut off. It's XX/XX/2023 and I still see the full amount outstanding on my credit report. 

I am also having issues with their autopay system. It is not being processed dispute setting it up according to their guidelines. When I called they said it was my banks fault, the back did not approve the request to pull funds. I called my bank and they said that there was no attempt to pull funds. I am being denied the opportunity to get a reduced interest rate because of this. There are several people dealing with this same issue according to several different posts I have read.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
On XX/XX/XXXX I deposited XXXX XXXX XXXX On XX/XX/XXXX I deposited XXXX and XXXX XXXX XXXX On XX/XX/XXXX I deposited XXXX XXXX XXXX On XX/XX/XXXX I paid XXXX XXXX XXXX XXXX On XX/XX/XXXX I withdrew XXXX cash/ bal XXXX and paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX charged me 2 overdraft fees ( XXXX ) for the 2 debets that I previously spoke of which left me with a negative bal of XXXX On XX/XX/XXXX I went into the bank, spoke to 2 tellers and then the branch manager, proved my point and was told they would not remove the fees and that a payment I had in cue would also cause another overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NV

Complaint narrative:
I asked Experian to remove a repossession from my credit report because it was included in a XXXX XXXX bankruptcy. I sent a copy of the XXXX XXXX paperwork and they apparently did not even look at the XXXX. Within a few days I was sent a form letter telling me that Experian had contacted the bank and the bank said it was a valid collection. The bank had turned the collection over to a collection agent who contacted me. The collection agent said that the loan was covered in the XXXX and that he had closed the collection case. If a collection company says the loan was uncollectable because it was included in a XXXX, then Experian should have at least looked at the XXXX paperwork and addressed that issue. However, they never even acknowledged that they examined or researched the 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 2024-01-04 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
The company removed the account and re added it 3.5 years later the issue was settled with the original lender the vehicle was not drivable I notified them them they allegedly had nothing else available and offered to redeem the car and whipe away my dent because i was current with every payment up until issues with the vehicle not starting the company had already sold my trade in that i used to purchase the vehicle so they decided to settle so i can by a more expensive car off there lot upon returning the vehicle i disclosed i wasnt interested in doing business with them again and in turn would just like to return their vehicle and go else where and they could keep what they owe me from my trade in in exchange of clearing my debt this was discussed in length now when it hit my credit i was shocked and reached out they disclosed the company was shut down / sold off and now i was there problem they removed the debt but now years later its reaapeard this has been XXXX years the loan should not even be on my report as its far too old it seems very coincidental that it just reappeared they keep trying to convince me to settle on a amount and i refused they have all the payments i made plus my trade in plus the vehicle they sold me if thats mot a rip off i have no idea what is i litterally got robbed.

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 2024-01-04 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: CA

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involve

d Bureaus. I have not received any responses yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
This student loan was taken out to subsidize my plans to pursue medical coding. The dollar amount borrowed was XXXX. In XXXX, unfortunately, I filed bankruptcy, and the loan was put on hold under XXXX XXXXXXXX. Over the ensuing XXXX  years until it was discharged in XXXX, interest accrued to the point of doubling the amount owed. I also was granted full XXXX in XXXX by the SSA, however, Navient did not honor it to forgive loan as I was working part time, to help me pay my rent. In the past XXXX years, I have been trying to work with them to pay down my principle, but this has led no where because of the high interest rate incurred up to 14 % +. I am a XXXX XXXX lady trying to hold down a job to make ends meet. This past month, Navient would not negotiate with me for around XXXX, they only offered me a XXXX payment of interest only, now they have billed me XXXX for XX/XX/XXXX and XX/XX/XXXX. Their punitive and predatory practices have left me in a state of unwell. I had to move in the last month as I was displaced from my former residence of XXXX years and my rent went up XXXX to XXXX, plus an hour commute daily to my part time job. Navient will not negotiate with me and have taken a hard line with me, I am under undue hardship, and I need assistance and guidance of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MO

Complaint narrative:
This is horrendous, just notified by experian they are still working on the issue on this complaint only problem is that it's the same thing, EXPERIAN FIXES NOTHING 90 % OF ALL MY COMPLAINTS HAVE NOT BEEN ADDRESSED

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 2024-01-04 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: GA

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-04 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I received a synchrony bank XXXX card in the mail. I never activated it. I have XXXX XXXX accounts which I have paid from my bank account including XXXX XXXX the period when synchrony said i owed them XXXX plus fines for non payment I never activated the card or used it. My two XXXX accounts have been paid from my bank account The harassing phone calls and emails need to stop. They are insistent that I owe them {$160.00}

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 2024-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
I requested for a debt validation, to show I owe the amount to that company. They never sent me the paper. I sent this request since XX/XX/2023.

Company response to consumer: Closed with explanation