vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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:
In XXXXXXXX XXXX XXXX I was XXXX with XXXX  for a little over a month. I had no access to the internet, data, or my phone and was sedated most of the time. I was UNABLE to make my payment on their payment portal. Since then they have been reporting this late payment, even after numerous attempts and even proof sent to the company of my inability to make my payment due to reasons BEYOND MY CONTROL. For 2 years they have denied me a good faith deletion of the late payment on my account that has been open for over 3 years, it is THE ONLY late payment in the history of the entire account.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Sparrow Financial, Inc.
State: TX

Complaint narrative:
I was pre approved for a credit card through Sparrow. They requested that I send them my personal information as a requirement of the approval process. I sent them everything they asked for. As a result, they concluded that my identity couldn't be verified. 

I drafted them a notice of the following : Please be advised that the adverse action credit denial on or before XX/XX/year> for a PRE-APPROVED credit card through SPARROW issued by XXXX XXXX XXXX XXXXXXXX, violates the Trust Agreement Act, the Equal Credit Opportunity Act, and the Consumer Credit Protection Act. Title 15 subsection 1611 governs my ability to charge any person who falsely and illegally denies me my own credit. 
As the underwriter of this consumer transaction, I demanXXXX XXXX XXXX  to provide me with a listing of all the factors involved in this consumer transaction. 
Furthermore, the Equal Credit Opportunity Act states that denying me my own credit is discrimination. SPARROW provided me with the reasons why I was denied my own credit ( see attachment ), however regardless of the reason I have a right to credit and withholding my securities is securities fraud. 
In the event that you continue to deny me my own credit, I demand you to retract my application and provide me with any equity gained, received, sold, transferred, acquired, etc from the pooling of assets from the original application. You ( SPARROW, XXXXXXXX XXXX XXXX XXXX, Trustees, and their partners and affiliates ) have no more than XXXX business days to remedy this violation in Good Faith, otherwise damages will be applied to the principal balance for retribution of ALL the aforementioned violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
According to US 1681 privacy act my credit information has been released illegally in a Mass credit breach. I asked that all items on my credit report be removed immediately and not used as the mandate 30 day investigation. In which this does not apply my privacy, rights violated, and I asked at all items be removed from my credit immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Vance & Huffman LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt 15 USC 1692g Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt referenced. ( Account Number : XXXX ). Please be advised that, in accordance with 15 U.S. Code 1692g, I am formally disputing the validity of this debt.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Therefore, I respectfully request the following : 1. Proof of the debt : A copy of the original contract or agreement, or other documentation showing that I am legally obligated to repay the debt.

2. Account history : A detailed statement showing the amount you are claiming, including any charges, fees, or interest applied.

3. Verification of your authority : Proof that you are authorized to collect on this debt, such as evidence that you are the original creditor or have been assigned the debt.

Please be aware that under 15 U.S. Code 1692g ( b ), your collection efforts must cease until you have provided the requested verification. Additionally, if you fail to validate this debt within 30 days from the receipt of this letter, you are required to cease any further collection activities and remove the information related to this debt from my credit report.

This letter is sent to ensure my rights under the Fair Debt Collection Practices Act are upheld. Kindly acknowledge receipt of this letter and provide the requested information in a timely manner.

If you fail to provide the necessary validation of the debt, I will take appropriate actions to report your violation of the FDCPA to the Federal Trade Commission and the Consumer Financial Protection Bureau.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
My information was exposed on the dark web I'm a victim of the data breach. Please have these inaccurate accounts deleted 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was exposed on the dark web I'm a victim of the data breach. Please have these inaccurate accounts deleted 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit cards or credit lines is showing 127 % on XXXX for Credit on Cards but there is only XXXX on the lines of credit and XXXX is used, which should be lower just waiting for the credit cards to update the information.

If you look at Transunion and XXXX they show the property information but for some reason XXXX is showing something a lot different that is affecting my score.

I know there are some issues with my account that I'm trying to work through. I had a company I left my son and items that should be business related are showing up on my credit report and working with an attorney to correct. However, XXXX is extremely difficult to work with and they don't seem to do extensive investigations to ensure their information is correct.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit cards or credit lines is showing 127 % on XXXX for Credit on Cards but there is only XXXX on the lines of credit and XXXX is used, which should be lower just waiting for the credit cards to update the information. 

If you look at XXXX and Equifax they show the property information but for some reason XXXX is showing something a lot different that is affecting my score. 

I know there are some issues with my account that I'm trying to work through. I had a company I left my son and items that should be business related are showing up on my credit report and working with an attorney to correct. However, XXXX is extremely difficult to work with and they don't seem to do extensive investigations to ensure their information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I was Looking at my Credit Report and noticed there were Hard Inquiries that are not mine on there.

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 2025-01-08 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: CA

Complaint narrative:
After reviewing my consumer file, I noticed several accounts listed on my consumer report that are a result of fraud. I sent correspondences to all 3 reporting agencies when I first discovered the inaccurate accounts. XXXX, EXPERIAN and XXXX have refuse to remove the accounts. I have received documentation for the accounts being reported showcasing that they are not mine. The 3 reporting agencies are still reporting all inaccurate accounts. EXPERIAN, XXXX and XXXX are violating the rules of reporting as they are intentionally reporting fraudulent information. Below I am attaching copies of my FTC report, my ID, my XXXX report that shows that the inaccurate accounts deleted, and letters from the various alleged creditors stating that accounts were opened fraudulently. I demand for all fraudulent accounts be permanently removed from my credit file. Lastly there is a ton of personal information that is inaccurate such as addresses ( there's about 3-4 addresses listed that I have never lived at ) and my name.

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 2025-01-08 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:
XXXX XXXX is no longer the creditor it is with XXXX XXXX and payments are going to XXXX. however, XXXX XXXX is continuing to report delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
XXXX XXXX has harassed me for over XXXX XXXX, reporting inaccurate information and keeping me from obtaining credit lines and buying a home because they are illegally reporting fees they tacked on to the end of a XXXX XXXX account. They are constantly emailing me that my payment is due, every month when this account has been paid off and closed for almost XXXX XXXX. I plan to sue them for harassing communications if this is not rectified immediately.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has harassed me for over XXXX XXXX reporting inaccurate information and keeping me from obtaining credit lines and buying a home because they are illegally reporting fees they tacked on to the end of a XXXX XXXX account. They are constantly emailing me that my payment is due, every month when this account has been paid off and closed for almost XXXX XXXX. I plan to sue them for harassing communications if this is not rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
XXXX XXXX has harassed me for over XXXX XXXX, reporting inaccurate information and keeping me from obtaining credit lines and buying a home because they are illegally reporting fees they tacked on to the end of a XXXX XXXX account. They are constantly emailing me that my payment is due, every month when this account has been paid off and closed for almost XXXX XXXX. I plan to sue them for harassing communications if this is not rectified immediately.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Sunbit, Inc.
State: MN

Complaint narrative:
Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy.

The Company sold my debt to a third party debt collector. Please Explain your method of validation on how you're reporting this account with a balance and a charge-off when this account was bought by a 3rd party debt buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: RI

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of the XXXX XXXX XXXXXXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for XXXX XXXX after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.

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 2025-01-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Lexington Law Firm I payed for a long time and tried to cancel and they put me on a maintenance monthly fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I have been paying them to help with my credit they never got anything done just been getting my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
My information was used and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report. 





This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 





I demand you to remove this account from all 3 of my credit reports asap or I will have no choice file suit against your company

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 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

Company response to consumer: Closed with non-monetary relief