vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
Disputed Accounts : XXXX. INACCURATE Direct VIOLATION XXXX XXXX XXXX Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXX XXXX Account Number : XXXX XXXX. INACCURATE Direct VIOLATION XXXX XXXX XXXX Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXXXXXX Account Number : XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law XXXX Account XXXX : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2025-03-21 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: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against ASCENDIUM EDUCATION SOLUTIONS, INC regarding the improper assessment of loan fees and the miscalculation of my grace period. My loan servicer failed to account for the time I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which resulted in an incorrect repayment start date and unjustified fees. 

Key Issues Requiring Investigation and Resolution : Incorrect Grace Period Calculation As per federal student loan guidelines, borrowers are typically granted a six-month grace period after leaving school before repayment begins. 
Since I was enrolled in a graduate program, my grace period should have been extended accordingly. Instead, my loan servicer failed to recognize my XXXX XXXX XXXX XXXXnd prematurely initiated repayment. 
This administrative failure has caused undue financial strain, including unnecessary interest accumulation and penalties. 
Unjust Loan Fees and Charges Because my repayment period was incorrectly initiated, the fees and interest accrued during this period should not have been charged in the first place. 
The improper early repayment start has resulted in an artificially inflated loan balance, which is both inaccurate and unfair. 
Requested Resolution : Given the clear errors in managing my student loan, I am formally requesting the following corrective actions : Correction of my grace period to accurately reflect my graduate school enrollment, ensuring that my repayment start date aligns with federal regulations. 
Full reversal of all fees and interest that were improperly assessed due to the miscalculation of my repayment timeline. 

Thank you for your immediate attention to this serious issue. I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable re-investigation of dispute disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved the customer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputing outcomes these failures aligns with my experience where Experian has neither corrected nor remove disputed items despite the evidence operate it cause an ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as Experian indication violates federal law in 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 2025-03-21 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: TX

Complaint narrative:
Due to a security breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries appearing on my credit report without my authorization. These fraudulent entries, which I did not initiate, have negatively impacted my credit standing. Despite my repeated attempts to have these inaccuracies corrected, they remain unresolved, raising serious concerns about the protection of my personal data and the overall accuracy of my credit report. Additionally, I have noticed incorrect late payment remarks that I believe were reported in error. I request an immediate review and correction of these issues to ensure my credit report reflects only accurate and legitimate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, Truist Dealer Services placed a hard inquiry on my XXXX credit report as part of a shotgun pull initiated by XXXX XXXX ( XXXX, NC ). XXXX XXXX submitted my auto loan application to multiple lenders without my direct authorization for each inquiry. I did not provide individual consent for XXXX XXXX Services to access my credit file. 

I am requesting that this unauthorized inquiry be removed under the Fair Credit Reporting Act ( FCRA ). I am also contacting XXXX XXXX Services directly and have submitted disputes to the credit bureaus. 

Please also note that I legally changed my name to Love, so some records XXXX appear under Love, XXXX XXXX, or XXXX XXXX XXXX depending on the institution. I am in the process of aligning my records across all systems.

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 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I downloaded a vehicle payoff pdf via XXXX in XXXX. I asked the XXXX  help chat " where do I mail my payoff check '' XXXX  responded and gave me the address " Southeast Toyota Finanace XXXX XXXX XXXX XXXX, NC XXXX '' This is their " Payments '' address, not their " payoff '' address. After a week, I called and they informed me they gave me the incorrect address, not to worry, they would backdate the payment to the date they received it at the first address. They have now confirmed after forwarding that it was received at the " Payoff '' address on XX/XX/XXXX, and I have been charged the interest beyond my payoff date, roughly {$350.00}. I have called numerous times over the course of 2 months and re-explained this, and have been promised calls back from supervisors without ever receiving them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate late payment reporting that violates my rights under the Fair Credit Reporting Act ( FCRA ). As shown in my report, both Experian and XXXX are inaccurately reporting late payments, while XXXX is not reporting these accounts XXXX ( Account number : XXXX ) and XXXX XXXX XXXX XXXX  Account number XXXX ) at all. This inconsistency raises serious concerns about the legitimacy and accuracy of the data being furnished. 

Additionally, this reporting violates XXXX XXXX. XXXX, as transactions are being reported without a permissible purpose under the FCRA. The FCRA clearly states that both transactions and experiences between the consumer and the entity furnishing the report must be excluded from a consumer report. I am the consumer, and under the FCRA, the term person ( XXXX U.S.C. XXXX ( b ) ) includes any individual, partnership, corporation, association, or other entity this includes both the reporting agency and the furnisher of the disputed information. Therefore, the items I am disputing fall under the category of information that should not appear on my consumer report. 

Furthermore, XXXX XXXX. XXXX ( b ) requires consumer reporting agencies to maintain the highest possible accuracy in their records, which is not being upheld given the discrepancies across the bureaus. Moreover, XXXX XXXX. XXXX states that a creditor XXXX not consider a payment late if it was made within the agreed grace period. If these reported late payments were within the allowed timeframe, then this reporting is also unlawful. 

I am not requesting the removal of the account but rather a correction of the inaccurate late payments in compliance with the FCRA. This serves as my final notice to Experian and XXXX to correct these inaccuracies immediately. If these errors are not corrected promptly, I will escalate this matter further, including pursuing legal action for willful and negligent noncompliance under XXXX XXXX. XXXX and XXXX XXXX. XXXX and seeking all applicable remedies under the law. I urge the CFPB to take immediate action to ensure compliance with federal law and the protection of my consumer rights.

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 2025-03-21 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NY

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-03-21 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-21 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-21 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN

Complaint narrative:
I was incarcerated from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and its XXXX car loans that are reporting on my credit report that I could not possibly have done cause I was incarcerated I also saw a XXXX account which I did not do as well. I filed a police report stating these items thats on my credit report and I also did a dispute which I havent heard anything back yet.

Company response to consumer: Closed with explanation