vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I am filing this complaint against Experian for abusing and unfairly manipulating my credit report. My credit score was at XXXX at XX/XX/year>. Less than month later, XXXX decided to arbitrarily drop my score to XXXX points to XXXX for no reason : no late pay, no collection, no lien ect. I had {$17000.00} credit line and because I used 40 % of my credit line, they arbitrarily caused damages to my credit and have caused an approved loan at XXXX score to be declined. What is the point of having credit if not used? Why am I being penalized for using my credit by lowering my score?

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 2025-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Leafy Financial, LLC
State: AZ

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Leafy Financial LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding XXXX XXXXXXXX XXXX  inaccurate reporting of my account as both a repossession and a charge-off to the credit reporting agencies. This reporting is false and damaging to my credit history. I voluntarily surrendered the vehicle associated with this account to XXXX XXXX, and it was subsequently sold at auction. Under the Fair Credit Reporting Act ( FCRA ) and relevant case law, XXXX XXXXXXXX XXXX  actions are both inaccurate and a misrepresentation of the facts. 

Legal Basis for Complaint : FCRA Violation Inaccurate Reporting : Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information, such as XXXX XXXX XXXX are required to ensure the accuracy and completeness of the information they report. Reporting a voluntary surrender as a repossession is materially inaccurate and constitutes a breach of this duty. 

Case Law Accurate Reporting Required : In XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX ), the court held that furnishers have a responsibility to provide accurate information and that misleading credit entries are grounds for dispute under the FCRA. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), clarified that inaccurate or misleading reportingregardless of the specific wordingviolates the FCRA. 

Voluntary Surrender vs. Repossession : A voluntary surrender differs significantly from a repossession, both in procedure and implications. XXXX XXXX reporting fails to make this distinction, misrepresenting the nature of the account status and harming my creditworthiness. 

This should not be reporting as a Repossession nor a charge-off.

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 2025-01-13 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:
Upon reviewing my credit report i noticed that there is inaccurate information reporting. 
The inaccurate information is the late payments for XXXXXXXX XXXX  XXXX Account Number : XXXX There has been a payment made on this account and has not been 30 days past due.

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 2025-01-13 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: GA

Complaint narrative:
Upon reviewing my credit report i noticed that there is inaccurate information reporting. 
The inaccurate information is the late payments for XXXXXXXX XXXX  XXXX Account Number : XXXX There has been a payment made on this account and has not been 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-01-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Late Payments Request for Proof or Deletion Due to XXXX XXXX and XXXX XXXX Section 605C ( 115 U.S.C Section 1681c-2 ) Urgent Request for Resolution Dear Equifax Representative , I am XXXX XXXX writing to formally dispute inaccurate information on my credit report concerning alleged late payments reported on my account. Please note that I have never been late on this account. I request that Equifax, as a credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. If you are unable to provide proof of the validity of these claims, I am requesting that you immediately delete these alleged late payments from my credit report. 
The following accounts contain erroneous late payment information reported by Equifax : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX I have included a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence that I have consistently made timely payments.

Under 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card as an open-ended consumer credit account unless they can prove the validity of the debt. Failure to provide such proof indicates that this information is inaccurate and must be removed from my report to comply with federal consumer protection laws. 
Please be advised that if these inaccurate late payments are not removed from my credit report, I will file formal complaints with both the XXXX XXXX XXXX ( XXXX ) and the Consumer Financial Protection Bureau ( CFPB ) regarding your agencys failure to follow proper dispute procedures. 
I request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that Equifax block all negative accounts identified. I expect a resolution to this matter promptly as required by the Fair Credit Reporting Act ( FCRA ). Please confirm the results of your investigation in writing once it is completed. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX Email Address : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MN

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Marcadis Singer PA
State: FL

Complaint narrative:
On XX/XX/year> I was served with a lawsuit from Marcadis Singer PA on behalf of XXXX XXXX XXXX. The following business day I contacted the law firm to gather information and attempt to settle the debt. Since the initial contact, I have presented the law firm with XXXX settlement offers. On XX/XX/year> the collector I have been working with stated that their client, XXXX XXXX, had declined my good faith offers and stated that her counter offer presented was a " final offer. '' She stated that I should no longer submit additional offers as " they will not accept even {$1.00} less '', claimed to have no knowledge on the pending judgment and stated to " call back in XXXX weeks for a status update '' rather attempting to come to agreement. I was escalated to a supervisor upon my request who admitted to me the collector had provided false information and confirmed that I was misled during settlement negotiations. The counter offer presented was not final as the collector stated. I believe that the collector and law firm are in violation of the FDCPA in their attempts to collect this debt by presenting misleading information and stating false information as fact. At this time I am requesting this suit be dismissed with prejudice due to the mishandling of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MS

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have had the student loan for almost 30 years. When Navient received the student loan years ago, I started noticing my payments were not making a dent in the principal that I owed. Ive been making payments steadily for around 20 years and I believe Navient has taken money from me illegally and caused me to still have an extremely high balance of almost {$16000.00}. 

My balance has not decreased in many years and I believe they have taken my money. I have been paying around {$380.00} per month consistently for over 20 years and it does not decrease hardly at all. XXXX. I need to discuss this with someone as this is ruining my life and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
Account is reporting that it owes a balance of {$45.00}. It does not this account has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Letter to CFPB Exposing Consumer Santanders Deceptive and Inaccurate Reporting Practices Subject : Formal Complaint Against Consumer Santander for Deceptive Reporting Practices and Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this formal complaint to bring attention to Consumer Santanders deceptive, inaccurate, and unlawful credit reporting practices. Their actions have caused significant harm to my creditworthiness, capacity, and financial reputation. Specifically, they have engaged in practices that demonstrate clear intent to mislead and violate my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: OH

Complaint narrative:
In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Balance, Past Due, Last Reported Date, Date Last Active, and Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time. The following reporting periods need to be corrected as paid on time and the late payment indicators removed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681s-2 ( a ) ( 2 ) to name just ONE of the violations.

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID and billing statement for verification purposes.

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 2025-01-13 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: OH

Complaint narrative:
In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Balance, Past Due, Last Reported Date, Date Last Active, and Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681s-2 ( a ) ( 2 ) to name just ONE of the violations. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID and billing statement for verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: OH

Complaint narrative:
XX/XX/XXXX I am writing to dispute fraudulent charges on my account and my EXPERIAN credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

Fraudulent Personal or Business Loan Company or Organization : 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 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 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 EXPERIAN, 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 I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX POLICE DEPARTMENT. 

SINCERELY, 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