vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an item on my credit report that I believe to be fraudulent. Upon reviewing my credit report, I noticed an entry that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This account is not mine, and I have not engaged in any activity associated with it. I suspect that my personal information has been compromised. I have included the following documentation to support my claim : A copy of my FTC Identity Theft report In accordance with the Fair Credit Reporting Act, I request that you investigate this matter and delete the fraudulent item from my credit report as soon as possible. Please confirm in writing that the item has been removed and provide me with an updated copy of my credit report.Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I discovered my ex husband had stolen my identity and with out my consent or knowledge had me on numerous credit cards ( some of these cards were taken out after the divorce and any cards from before the divorce XX/XX/year> are ordered to be closed ). All of the credit card companies except for Citi bank removed me from the fraudulently obtained cards after providing them with a police report. I have called, emailed, and written physical letters to Citi and they will not remove me from the card he has me on as an authorized user. I have disputed it with XXXX and they will not remove it because Citi will not remove me only he can remove me. I have sent them the police report and explained repeatedly that this was done with out my knowledge or permission and the cards need to be closed. CITICARDS CBNA Account XXXX is one of the cards. I do not have nor authorize myself to be on any Citi Bank Cards, this is not an instituion that I use nor want to use. Please help me get removed from the Citi Bank cards my name is XXXX XXXX but he sometimes uses my married name, XXXX XXXX, and social.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
company is reporting the repo on my credit report after vehicle has been sold. im a victim of identity theft/fraud since my information was giving to the repossession company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I attended XXXX XXXX back in XXXX / XXXX fresh out of XXXX XXXX like hundreds of thousands of others did my age. When I realized XXXX XXXX was taking loans out in my name without my authorization, I immediately stopped going to the school. 

Years later, the federal government closed XXXX XXXX due to massive Fraud. It is widely known by the public that XXXX XXXX committed fraud against ALL their students. I filed a defense to repayment claim with the federal government and the recent federal court case that was won, forced the feds to process all these defense to repayment claims that had been sitting for years. They approved my claim for XXXX XXXX and expunged all my student loans related to this school. 

I have been in bankruptcy on and off for the last 10 yeasr of my life due to this. But when I exited bankruptcy after my student loans were forgiven, i was shocked to see private student loans from Navient, that are from XXXX XXXX. I never knowingly took out any private student loans with them and had no idea these loans even existed until I exited bankruptcy. 

I filed a motion to have the loans discharged through Navient since XXXX XXXX literally frauded every single student they ever had, and figured that they would clear them out. Navient came back to me and said no they would not get rid of the loans and that I needed to pay them or they would sue me/ ruin my credit. They flatly refused to offer me any explanation as to why they denied my motion for discharge. 

Back in XXXX a former student of XXXX XXXX sued Navient for this same reason and won. This case, known as XXXX v. Navient, brought attention to the issue of predatory lending practices in for-profit education. XXXX XXXX won this case. So there is a precedent. 

I am currently attempting to hire the same law firm that helped XXXX XXXX back in XXXX but it is proving to be almost impossible. No one wants to help me fight this. I will not pay for loans that I didn't take out. I will live with bad credit forever before I pay for fraudulent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
My identity has been stolen and used against my rights. Someone has opened credit cards in my name and also applied for many lenders to the point i have multiple inquires on my report. I never authorized for any of these inquires or credit cards to be on my report. Please remove these accounts and inquires immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
I have an inquiry on my transunion report that I do not recognize from XXXX XXXX XXXX. I did not give anyone permissible purpose to pull my credit report please delete this inquiry from my report immediately.. attached is the doc report filed in 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 non-monetary relief
Consumer complaint received 2024-10-03 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: AL

Complaint narrative:
I am writing to formally express my deep concern regarding the unresolved disputed accounts on my credit report. Despite my repeated requests for thorough investigations into the inaccuracies I have identified, no corrective actions have been taken thus far. These erroneous entries are negatively impacting my credit file and significantly affecting my ability to manage my financial obligations and lead a normal life. 

The ongoing presence of these inaccuracies has created immense hardships, and I am left with no choice but to ask for your immediate assistance in resolving this matter. I kindly urge your organization to conduct a detailed review of each of the disputed accounts on my credit report and take the necessary steps to correct any errors without further delay. 

It is critical that the accuracy and integrity of my credit report be restored as soon as possible so that I can regain control over my financial health. I sincerely request that this matter be given your highest priority and that swift action is taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. I greatly appreciate your support and cooperation in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
All the way from XXXX to today XX/XX/XXXX First Financial Resources ( FFR ) has been bombarding me with phone calls from multiple phone numbers with an automatic robot call system to collect a dept that I'm not even sure I even have. I blocked all the phone numbers, but they still constantly call me at this point every day and sometimes 2 times a day and leave a voice mail with the same cookie cutter message to try and get me to call them. I made the mistake of answering one of the calls once but something seemed off by the call, it was staticy and no one picked up at all for a good 20 seconds or so, so I hung up after saying stop calling me. After that the phone calls came a lot more and more frequent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute and Request for Validation of Account : XXXX Dear CFPB, I am writing to formally dispute the account referenced below that is appearing on my credit reports with XXXX and Experian. This account is not mine and has been inaccurately reported. Despite disputing this account on multiple occasions, I have yet to receive any communication or validation of this account. I am now requesting your immediate intervention to ensure compliance with the law and that this matter is resolved promptly. 

Disputed Account Information : Account Name : XXXX Account Number : XXXX Credit Bureaus Involved : XXXX , Experian Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Current Status : Closed, Paid Comments : I have not authorized this account to appear on my credit report, and it is not mine. The account should be removed immediately as I have requested validation on several occasions without any resolution. 
This letter serves as my formal demand for validation of this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide original documentation, including any signed agreements or contracts showing that I am responsible for this account. If such validation can not be provided, I insist on the immediate removal of the account from my credit reports. 

Furthermore, I assert my rights under the following laws : FCRA Section 611 : My right to dispute inaccurate information and have it corrected or removed if it can not be verified. 
FCRA Section 609 ( a ) ( 1 ) ( A ) : My right to request information and documentation related to any item of information on my credit report. 
FDCPA Section 809 : The obligation for a debt collector to validate the debt upon request. 
As of today, XX/XX/XXXX, I have not received any communication regarding this matter, and the account continues to damage my credit unlawfully. I demand that all inaccurate information be removed from my credit reports immediately. 

Thank you for your immediate attention to this matter. I trust that the CFPB will handle this issue in accordance with the law. 

Sincerely, XXXX XXXX Phone : XXXX Email : 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 2024-10-03 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: NY

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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NE

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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 have recently been working on my credit, when I got an alert from XXXX XXXX XXXX that I had an account with a company I had never heard of and a XXXX account that I have never had. 

XXXX XXXX XXXX OPEN DATE : XXXX XXXX XXXX  XXXX OPEN DATE : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
While viewing my credit report, I noticed a large amount of inquiries on my report. The inquiries appeared within days of each other. The vast number of inquiries were from finance companies/car dealerships. I did not give any auto dealer or finance company the right to pull my credit dozens of times. 

I contacted the credit bureaus through direct mail. It has been over 45 days, and I am still awaiting a response. I want these errors removed from my report because I did not authorize these finance companies to pull my credit. I am very protective of my credit report, and this violation is affecting my scores. 

Below is the list of companies that left an unauthorized inquiry of my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Check Resolution Inc.
State: IL

Complaint narrative:
As of today XX/XX/XXXX national check solutions is trying to collect {$470.00} they have been trying to collect this amount since XX/XX/XXXX of XXXX. I have sent a certified letter with the laws and requested that they stopped reporting this to my credit file to XXXX, XXXX and XXXX in the amount of XXXX because I have no contract never had a contract with them do not have any business dealing with this company whatsoever and their continuing to collect they they have not sent any letters or any contracts with my signature showing that I have any dealings or any deals or relationship with them they have not verified any debt that I've owed them because I have no connections with them this is fraudulent and I would like the XXXX experience and national track check system to stop trying to collect and to start reporting this debt by law stated in the letter that I sent to XXXX, XXXX and XXXX and to national check systems and they have not still abide by the law and they should be held accountable.

Company response to consumer: Closed with explanation