vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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 am filing this complaint to request a full and formal reinvestigation regarding XXXX XXXX XXXX  XXXX unlawful reporting of a derogatory charge-off related to my XXXX XXXX account XXXX After conducting my own thorough investigation, I have obtained documentary evidence from XXXX XXXX XXXX XXXX filings and SEC reports proving the following : XXXX XXXX XXXX XXXX executed a true sale of the receivables, including my XXXX XXXX account, thereby relinquishing all rights, title, and ownership ( Receivables Purchase Agreement, Page 49, Lines L645-L653 ). 

XXXX XXXX waived all rights of setoff and any deduction or claim against the receivables ( Indenture Agreement, Page 60, Lines L218-L226 ).

XXXX XXXX deregistered and relinquished control over the receivables from its financial statements ( SEC 10-K Annual Report, Page 62, Lines L18797-L18804 ). 

Therefore, XXXX XXXX XXXX XXXX does not own the alleged receivable, and has no lawful authority to report, collect on, or charge off the XXXX XXXX account. 

Despite this, XXXX XXXX XXXX XXXX and the consumer reporting agencies ( Experian, Equifax, and TransUnion ) have continued to report the account negatively on my consumer credit files. 

Their actions have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy ; FCRA 1681i ( a ) : Failure to properly investigate and reinvestigate after dispute and notification ; FCRA 1681b : Lack of permissible purpose to furnish information ; FCRA 1681n and 1681o : Willful and negligent noncompliance, exposing them to statutory and punitive damages.

Additionally, their actions have harmed me by : Lowering my credit scores, Damaging my ability to obtain shelter and credit, Causing emotional distress and reputational harm. 

Requested Relief : I am respectfully requesting the following corrective action : A full reinvestigation into the reporting of the XXXX XXXX  account, Immediate deletion of all negative and derogatory reporting associated with this account, Written confirmation of the removal, Review and enforcement action against XXXX XXXX XXXX XXXX for violations of FCRA and consumer protection laws. 

Attached to this complaint are copies of documentary evidence supporting my claims, including a formal Notice of Dispute, Exhibit A summarizing XXXX XXXX ' admissions, and my pre-arbitration demand letters. 

I request urgent handling of this matter, as continued inaction will result in further escalation, including formal arbitration filings. 

Thank you for your time and prompt attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
I am filing this complaint to request a full and formal reinvestigation regarding XXXX XXXX XXXX  XXXX unlawful reporting of a derogatory charge-off related to my XXXX XXXX account XXXX After conducting my own thorough investigation, I have obtained documentary evidence from XXXX XXXX XXXX XXXX filings and SEC reports proving the following : XXXX XXXX XXXX XXXX executed a true sale of the receivables, including my XXXX XXXX account, thereby relinquishing all rights, title, and ownership ( Receivables Purchase Agreement, Page 49, Lines L645-L653 ). 

XXXX XXXX waived all rights of setoff and any deduction or claim against the receivables ( Indenture Agreement, Page 60, Lines L218-L226 ).

XXXX XXXX deregistered and relinquished control over the receivables from its financial statements ( SEC 10-K Annual Report, Page 62, Lines L18797-L18804 ). 

Therefore, XXXX XXXX XXXX XXXX does not own the alleged receivable, and has no lawful authority to report, collect on, or charge off the XXXX XXXX account. 

Despite this, XXXX XXXX XXXX XXXX and the consumer reporting agencies ( Experian, Equifax, and TransUnion ) have continued to report the account negatively on my consumer credit files. 

Their actions have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy ; FCRA 1681i ( a ) : Failure to properly investigate and reinvestigate after dispute and notification ; FCRA 1681b : Lack of permissible purpose to furnish information ; FCRA 1681n and 1681o : Willful and negligent noncompliance, exposing them to statutory and punitive damages.

Additionally, their actions have harmed me by : Lowering my credit scores, Damaging my ability to obtain shelter and credit, Causing emotional distress and reputational harm. 

Requested Relief : I am respectfully requesting the following corrective action : A full reinvestigation into the reporting of the XXXX XXXX  account, Immediate deletion of all negative and derogatory reporting associated with this account, Written confirmation of the removal, Review and enforcement action against XXXX XXXX XXXX XXXX for violations of FCRA and consumer protection laws. 

Attached to this complaint are copies of documentary evidence supporting my claims, including a formal Notice of Dispute, Exhibit A summarizing XXXX XXXX ' admissions, and my pre-arbitration demand letters. 

I request urgent handling of this matter, as continued inaction will result in further escalation, including formal arbitration filings. 

Thank you for your time and prompt attention to this serious issue.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
Capitol one is reporting my name as XXXX XXXX XXXX MY SECOND LAST NAME IS REPEATED MY CORRECT AND ONLY NAME IS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I took out my first PLUS loan in XXXX. 
They only gave me my history from XX/XX/XXXX I would like to seen my loan information starting in XXXX. Did I ever take a deferment on my loans? Was I ever on an income driven repayment plan? 
The information they gave me says from XX/XX/XXXX to XX/XX/XXXX said my beginning balance on XX/XX/XXXX was {$59000.00}. 
Since then I have paid {$39000.00} in interest and {$26000.00} in principal I don't understand how I paid more in interest than principal. Their formula for computing interest is usererous. Based on how much they charge me for interest I'll be paying for these loans until I'm almost XXXX XXXX XXXX. How is it possible that loans that started in XXXX will be in repayment for 34 years. I am retired and on a fixed income. There is no way I can afford a {$350.00} per month payment. I should be done with these payments by now. Navigating the XXXX website is almost impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-27 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The account is with Synchrony Bank. I opened a new account with the bank during XXXX of XXXX. The first payment that I made on the account was made on XXXX XXXX. It was my mistake, I sent the payment to the wrong account number at Synchrony. That account number was for a previous purchase financed with Synchrony. 
That account was fully paid off months before I opened the new account. For the following XXXX  months I have been trying to get that payment applied to the correct account. On at least XXXX occasions I mailed to the bank hard copies of my bank statements ( XXXX XXXX  ) demonstrating the payment to Synchrony. After many phone calls ( at least XXXX ), I finally spoke to a bank rep who understood the issue and requested that I provide a trace # from XXXX XXXX. I spoke with XXXX and obtained the trace number, and provided that to Synchrony. They emailed me a letter with a XX/XX/XXXX date indicating that they located the {$1000.00} payment and correct my account, with apologies. 
On XX/XX/XXXX I received a call from Synchrony indicating that I still owe the {$1000.00}. 
I was hung up on twice as I tried to gain info as to why they were again suggesting I owe {$1000.00}. I was not rude on the calls. I have no idea how to resolve this with Synchrony. 
I have maintained a complete history of all the calls over the past XXXX  months. Their pattern is consistent. They request support, I send it, they acknowledge it in writing, and then approximately 1 month later they will start calling me claiming I owe them the {$1000.00}. I have demonstrated with copies my bank statements indicating the payments from XXXX to Synchrony. I do not know how to contract anyone at the bank in a position who can resolve this. I have given up on their customer service at XXXX. I do not believe the bank is acting in good faith, or absent that, that their system is so poor that they can not keep track of the support I have sent them on several occasions- each time at their request.

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 2025-04-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation 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 that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX a Loan Originator associated with MTH Mortgage , LLC, regarding what I believe to be predatory lending practices during my recent mortgage application process. 

In mid-to-late XX/XX/year>, prior to submitting any application or undergoing a hard credit pull, I engaged in numerous email and phone conversations with XXXX XXXX. During these discussions, I provided him with detailed information about my employment history, any periods of unemployment, and the late fees I had incurred over the past XXXX years. I believe that XXXX XXXX, fully aware of my financial circumstances, exercised his responsibilities inappropriately by proceeding with my mortgage application despite my vulnerabilities as a borrower. 

XXXX XXXX also knew that I had received a XXXX from the XXXX  Department of Community Affairs under the XXXX  XXXX Assistance XXXX to rectify my mortgage situation. However, despite being informed of these facts, he allowed me to continue with the application process, routing me through XXXX XXXX XXXX to formulate and execute an action plan. 

After months of effort and engagements, I was notified that the lot on which I intended to close could not be finalized until XX/XX/year>, contingent upon a full year of timely mortgage payments on my current home. This critical information regarding the timeline for eligibility and the requirement for a full year of current payments was never disclosed to me prior to my application submission. Had I known, I would not have initiated the application process, thus avoiding unnecessary stress and frustrations. 

The decision to omit this vital information appears to represent a serious disregard for ethical lending practices and may constitute a violation of XXXX XXXX obligations as a licensed loan originator. It raises concerns regarding potential predatory practices aimed at exploiting my financial situation for the benefit of his organization. 

I request that this matter be thoroughly investigated by the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX  XXXX ). I intend to file concurrent complaints with these agencies to ensure that XXXX XXXX actions are reviewed and that necessary measures are considered to protect other consumers from potentially harmful practices. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> of first charge off ). Since the account has repeatedly been updated as charge off every month, and non-payment info has been updated as a charge-off every month. This is an update to the payment history. A charge-off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding the deletion of the following account : ( 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 2025-04-27 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> of first charge off ). Since the account has repeatedly been updated as charge off every month, and non-payment info has been updated as a charge-off every month. This is an update to the payment history. A charge-off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding the deletion of the following account : ( XXXX XXXX ) XXXX  XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> of first charge off ). Since the account has repeatedly been updated as charge off every month, and non-payment info has been updated as a charge-off every month. This is an update to the payment history. A charge-off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding the deletion of the following account : ( XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I filed bankruptcy in XXXX of XXXX, with a discharge date of XX/XX/XXXX. Experian refuses to transfer me to a live agent, refuses to talk to me, refuses to accept the bankruptcy discharge letter, and refuses to take action. They have XXXX  days from todays date, XXXX, XX/XX/XXXX to respond before a lawsuit is filed.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the 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 an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00}, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$11000.00}, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$2900.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$4100.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$2600.00}, an account opened at XXXX XXXX XXXXXXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$540.00}, and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$600.00}. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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