vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: Cedars Business Services, LLC
State: NC

Complaint narrative:
Request for Certification of Accuracy of Information ( Need Wet Ink Signature on The Unauthorized Fraudulent Account } Grounds to Sue. 
Violations of : Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) I am disputing the collection account referenced above, which XXXX XXXX XXXX has inaccurately reported to the credit bureaus. Pursuant to 15 U.S.C. 1692c ( c ), I demand proof of authorization, verification that this constitutes a legitimate credit transaction with XXXX XXXX XXXX, and valid photo identification linking me to this alleged debt. As I have never entered into any agreement or signed any contract with XXXX XXXX XXXX, I require a copy of a wet-ink signature on any purported application to substantiate your claim. XXXX XXXX XXXX is falsely reporting this account as a collections account under its name, despite having no legal ownership or authorization to do so. This erroneous and unauthorized reporting is not only damaging my creditworthiness but also constitutes harassment and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have never provided XXXX XXXX XXXX with consent to report, share, or disclose my personal information in any capacity. Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6802 ), I have not signed any authorization permitting your company to share or report my information, either electronically or in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a stressful situation.

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 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I opened a XXXX XXXX XXXX based on promises that included rewards. 
If card was used to make XXXX in purchases outside XXXX I would receive XXXX reward points to be used at XXXX XXXX These purchases had to be made with in the first 90 days. Also, I was promised XXXX rewards points for puchases made with the credit card in the XXXX store or on the XXXX platform. 
I created an account online so that I could pay on my credit card. I used the card and then I went to use the card and found that it had been locked. XXXX told me that there was an error when I input my bank information to the payment portal, we corrected this issue and we reprocessed the payment, which paid the card in full. The card was unlocked. I used the card again with no issue. However, the next time I went to use the card again it was locked. XXXX told me that it would be locked for 90 days due to the error I made when inputting my banking information. 
1. My payment, when I made the error of bank information, was not a payment that was yet due. 
2. The error was corrected, payment was processed properly and the account was paid in full. 
3. A refund was placed on the account due to a return to XXXX, and that money is being held hostage. As I am not able to access the funds. 
4. With the card locked I can not take advantage of the 90 day XXXX rewards points offered if I use my Credit Card outside XXXX. And I can am not able to take advantage of the double point off when I use my Credit card at the XXXX store or online Store. 
5. This is a scam. Offer me something and then with hold the tool that I need to gain the offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: IL

Complaint narrative:
The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a stressful situation.

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 2025-03-09 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:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-03-09 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-03-09 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:
I do not recognize these addresses please remove. Thank you XXXX XXXX XXXX XXXX XXXX, XXXX 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 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 2025-03-09 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: NE

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
Subject : Dispute Regarding Incorrect Delinquency on Credit Report Dear Consumer Finance, I am writing to dispute an inaccurate delinquency reported on my credit report by PennyMac Loan Services , LLC . 

I was enrolled in a forbearance plan from XXXX to XX/XX/year>, and in XXXX, I was offered a loan modification, which was approved. However, despite this, my account was reported as delinquent ( late payment ) to the credit bureaus for XX/XX/year>. I was never informed that a delinquency would be reported for this period, and I believe this is an error. 

I kindly request your assistance in correcting this issue and updating my credit report accordingly. Resolving this matter will ensure the accuracy of my credit history and help maintain my credit score. Please let me know if any additional information is required from my end.

Thank you for your time and assistance. I look forward to your prompt response.

Note : Dates that I mentioned in the above are approximate. 

Sincerely, XXXX XXXX XXXX XXXX IBIS PL SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Some bills have been paid, XXXX {$350.00}, and XXXX XXXX $ XXXX, XXXX XXXXXXXX {$250.00} paid XXXX XXXX {$290.00} paid I want this took off my credit report and I dont owe my bank which is XXXX XXXX bank, there are charges like XXXX XXXX and a few more accounts that are not my accounts those are fraud accounts and I am not liable for them I want all the write off to be deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/year> around lunch time I helped my XXXX mother create an XXXXXXXX XXXX account. 
She is not very tech savvy and I had work so I told her I'd order her lunch shortly after. XXXXXXXX XXXX had promo, I clicked it, I ordered, I went to check out. I hit order on checkout screen with the promo attached and it loaded like it normally does but then it gave me an error for promo and knocked me back one time to previous page, the page it took me to is the tip page, it's the one right after you hit checkout. This page has no total, no order details, nothing at all it's just the tip page. So I hit order again thinking somethin wrong happened in app and it would work normal after. Once I did that I realized it took off my promo code and charged me full price! Order went from {$9.00} to {$29.00}! I was confused, but l immediately got to the cancel order menu and canceled so they would not make the order because of the charge difference. I felt like I was robbed, tricked, and duped. And I was. XXXX notifications told me l would be refunded nothing. I was caught off guard, I use XXXX XXXX often and this changed my perspective. Within XXXX XXXX the order was canceled. There was no knowledge of me knowing they were charging me and why would they not accept a promo that they put into my account? I met all the requirements, the total was {$8.00} and next thing I know it's almost {$30.00} in the blink of an eye. I called them and it said " thank you for calling XXXX XXXX this number is no longer taking calls '' I nesssged them in their website chat and was met with what seemed like bots. Even when it said agent live they wouldn't take any proof I had it help in anyway. Why send someone a promotion, allow them to attach it at checkout, alter the original price and mark it down to promo price, let men add tip, and then kick off the promo with no explanation, and have the audacity to ROB me of my hard earned money. 
You can't just switch pricing or offer promos that are sent privately to members and then do this. Unethical, wrong, snd stressful. Never will I ever give XXXX XXXX another chance to rob me. Last thing, they won't even give me a recept!!! I have to wait XXXXXXXX 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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I would like to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to verify these accounts positively has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : PORTFOLIO RECOV ASSOC In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your reinvestigation? Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
Please correct my credit report and remove all negative information from my report due to data breach. I have supplied necessary information and I want it done based on FCRA laws. 
It should not take more then XXXX days. I expect immediate actions and corrections. 
I need all negative information again, removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NE

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I am writing to formally notify you of a serious issue involving the unauthorized and fraudulent use of my identity. An account has been opened in my name without my consent, and I have no knowledge of, nor have I authorized, any such activity. This is a clear case of identity theft, and it has compromised my personal and financial security.

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 2025-03-09 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C 1681C that you experian credit reporting agency permanently remove information appearing on my credit report that is result of fraud incorrect reporting within four business days fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX is the open date balance XXXX and XXXX XXXX XXXX XXXX ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX balance {$430000.00} under the account number ( private ), a personal loan account opened at XXXX XXXX at XXXX credit card and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. collections, or hard inquiries as reported. The aforementioned accounts collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 explanation
Consumer complaint received 2025-03-09 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: MS

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccuracies and Request for Profile Updates** Dear Credit Bureau Dispute Department, I am writing to formally dispute inaccurate or outdated items on my credit report and request corrections to ensure my credit profile is optimized for the best possible credit score. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following items. If they can not be verified, I ask for their immediate removal.

1. Removal of Outdated Addresses and Employers** Please update my profile to reflect my current and correct information while removing outdated data : - **Current Address ( To Keep ) : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - **Addresses to Remove : ** Any previous addresses listed on my report - **Current Employer ( To Keep ) : ** XXXXXXXX XXXX  - **Employers to Remove : ** Any previous employers listed on my report XXXX. Unauthorized Hard Inquiries to Remove : ** - **XXXX XXXX** XX/XX/XXXX - *XXXX XXXX XXXX** XX/XX/XXXX - **XXXX XXXX XXXXXXXX XX/XX/XXXX - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. If you can not provide documented proof of my authorization, I request their immediate removal. 

XXXX. Negative Accounts to Dispute : ** - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Previously Late Payments** These accounts contain outdated, inaccurate, or XXXX XXXX remarks. I request that you investigate these accounts and remove any information that can not be verified. 

XXXX. Request for Positive Reporting Updates : ** In addition, I request a review of my positive accounts to ensure they are being accurately reported. Specifically : - If there are any missing or incorrect payment records, please update them to reflect my on-time payments. 
- If any accounts have been paid in full or closed in good standing, please ensure they are marked appropriately to reflect positively on my credit profile. 



I expect a written response and resolution within XXXX days**, as required by law. Please provide written confirmation once the investigation is complete. 

Thank you for your prompt attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief