vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: Lendmark Financial Services
State: SC

Complaint narrative:
Lendmark financial, closed account charge it off sold the debt, buy what me to still be account for the debt which they already been paid for the debt, which it mean they getting paid twice off this account and this account is been reporting on credit report for no reason when the debt is already been bought. {$16000.00} on XXXX XXXX under act law 15 u.s code 1681 I ask for them to remove the account off my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: NC

Complaint narrative:
My Public Student Loan Forgiveness application was approved in XX/XX/year> and the remaining debt was forgiven. A system error ( MOHELA confirms it is an error ) during an upgrade caused balance to reappear on my account in the amount of about {$250.00}. I have requested the error be fixed on XXXX separate occasions, and they have assured me they will fix the problem and place an administrative hold on my account to stop collections. Yet, I still get harassing calls and emails about the debt behind past due within a month of each complaint to them. 

Now, the debt shows as more than 90 days past due and will be reported to the credit bureaus. I requested an immediate remedy, but I got the same " I've reported it and it will be fixed soon '' answer. 

The debt is not valid, they admit it. Yet, they still try to collect and are going to send a negative report to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally raise concerns about ongoing harassment, improper communication practices, and potential violations of my rights by Summit Debt Collection Lawyers, their process servers, and individuals acting on their behalf.

Repeated calls have been made to my neighbors, my parents, and myself regarding an alleged debt I owe to XXXXXXXX XXXX  XXXX. These calls have resulted in the improper disclosure of my personal information to individuals who are not related to me, which is a clear invasion of privacy. Additionally, voicemails have been left on the phones of individuals who have no connection to me, further exacerbating the situation. 

The primary individual responsible for these calls is XXXX XXXX, who has been calling from XXXX. When I attempt to return the call, I receive no answer. XXXX XXXX has left a callback number of XXXX, which connects me to individuals who state they are only responsible for handling the case. 

During these communications, I have been subjected to repeated threats, including : Demands to pay over {$2000.00} or face legal action. 
Claims that my credit report will be labeled as fraud. 
Threats that my employer will be notified, and I will be unable to purchase a home. 
These actions constitute harassment and misrepresentation. Additionally, they may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits : The sharing of personal information with unauthorized individuals.

Harassing or abusive behavior by debt collectors.

Misleading or false threats of legal action.

I contacted Summit, and they denied responsibility, claiming these actions are carried out by their process servers. However, as they are allegedly acting on behalf of Summit, this does not absolve Summit of responsibility for these violations. 

I demand that all harassing calls and improper disclosures of my personal information cease immediately. Additionally, I request written confirmation of the debt in question, as required under federal law. Failure to comply with these demands will result in my seeking further legal action, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. 

Please consider this my formal request for all further communication to be conducted in writing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-14 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: RI

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian did not properly investigate disputes i filed with them.

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 2025-01-14 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$27000.00} XXXX. ) XXXX XXXXXXXX XXXX XXXX XXXX. {$15000.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX  {$5700.00} These account have violated my rights. 
I looked at my XXXX XXXX TRANSUNION credit report on XX/XX/year> and noticed 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 inform of of. ation concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681 i 5 they are supposed to do this ( 5 ) treatment of an accurate or unverifiable information ( A ), in general 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 reported agency shall ( I ) properly delete the 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 ) properly notified the furniture of that information that the information has been modified or delete it from the file of the consumer.

And according to 15 USC 1681 s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate. 
Thank you 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-15 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
According to the FCRA account the account named, XXXX XXXX has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XXXX what account number are you reporting to the three credit reporting agencies? 
You are reporting to Transunion an account starting with # XXXX. For XXXX and XXXX you are reporting an account starting with # XXXX. Hat is the Correct Account number for my student loans? See XXXX  report and XXXX account history. 

XXXX, which is the correct XXXX account you are supposed to reporting to the three credit reporting agencies? Are you reporting on an account that is not mine? 

Please fix this incorrect and inaccurate data asap. XXXX, You are violation of the FCRA!!!! 

Transunion, XXXX, and XXXX is in violation of the FCRA by knowingly perpetuating XXXX 's incorrect data.

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 2025-01-14 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: TX

Complaint narrative:
XXXX what account number are you reporting to the three credit reporting agencies? 
You are reporting to XXXX an account starting with # XXXX. For Equifax and XXXX you are reporting an account starting with # XXXX. Hat is the Correct Account number for my student loans? See XXXX  report and XXXX account history. 

XXXX, which is the correct XXXX account you are supposed to reporting to the three credit reporting agencies? Are you reporting on an account that is not mine? 

Please fix this incorrect and inaccurate data asap. XXXX, You are violation of the FCRA!!!! 

XXXX, XXXX, and Equifax is in violation of the FCRA by knowingly perpetuating XXXX 's incorrect data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XXXX what account number are you reporting to the three credit reporting agencies? 
You are reporting to XXXX an account starting with # XXXX. For XXXX and Experian you are reporting an account starting with # XXXX. Hat is the Correct Account number for my student loans? See XXXX  report and XXXX account history. 

XXXX, which is the correct XXXX account you are supposed to reporting to the three credit reporting agencies? Are you reporting on an account that is not mine? 

Please fix this incorrect and inaccurate data asap. XXXX, You are violation of the FCRA!!!! 

XXXX, Experian, and XXXX is in violation of the FCRA by knowingly perpetuating XXXX 's incorrect data.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CBNA THE U.S. DEPARTMENT OF EDUCATION and XXXX Credit Bureau continue to violate the FCRA Publicly and Privately Let me explain : Once your debt has been sold to a 3rd party debt collector, the claimant can no longer collect on that debt. The claimant sold that account/debt to a collection agency. I have nothing to do nor any contract with this 3rd party and therefor do not recognize who they are nor have any obligation to them. 
Pursuant to the Fair Debt Collection Practices Act 15 UNITED STATES CODE 1692 I have disputed these alleged debts/claims with the CFPB and by law they must be removed from my credit report. 
I have sent out certified mail to these claimants with affidavits of truth and fact as well as fraud affidavits by continuing to allow these reports to remain on my credit report after I have lawfully disputed these alleged claims the CFPB is also Violating my Rights I respectfully demand that the CFPB do its due diligence to comply with their preformance bonds and remove these account. All activity has been record and printed and the laws have be cited. The law clearly states that this is not lawful. I respectfully demand for these accounts to be removed from my report.

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 2025-01-14 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: VA

Complaint narrative:
Dispute of Inaccurate Information Reported on Credit Reports Account # XXXX XXXX I formally wrote to dispute inaccurate information being reported on my credit file by XXXX  under my rights afforded by the Fair Credit Reporting Act ( FCRA ). The first letter is to Experian Upon reviewing my credit reports from Experian, XXXX, and XXXX, I discovered that the above-referenced account is inaccurately reported as an open collection/charge-off with a past-due balance of {$270.00}. This reporting is incorrect and violates FCRA Section 15 USC 1681e ( b ), which mandates that credit reports must ensure maximum possible accuracy.

I have taken the necessary step of sending certified dispute letters to all three credit bureaus to address this matter. I am also requesting that you investigate this issue promptly and take corrective action to ensure that the information reported to the credit bureaus is accurate.

As part of this investigation, I request the following : Verification of the account 's current status with supporting documentation. Correction or deletion of the inaccurate information from my credit reports. A written confirmation that the necessary corrections have been made or an explanation if further information is required.

This error is negatively affecting my credit profile, and I kindly ask for your expedited assistance in resolving this matter.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been requesting my credit report to appear in myequifax.com account for months now. XXXX XXXX I submitted info to update my address which was not done. When I pull my report on myequifax.com it is blank. None of my credit reporting is showing up. I was told on 2 different occasions that my request was escalated and I would hear back via email which has not happened. I am in the process of buying a home and the bank is unable to pull my report because my address is also not updated on my credit report. Here is my latest confirmation # XXXX.

Company response to consumer: Closed with non-monetary relief