vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of the following information that has resulted from identity theft : Account : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Relevant Provisions of FCRA 605B Under the FCRA, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft. Specifically : 1. Timely Action Required : According to FCRA 605B ( a ), Experian must block the disputed information no later than four business days after receiving the following : Proof of my identity. 

A copy of my identity theft report. 

Identification of the fraudulent information. 

A statement from me asserting that the information is not the result of any transaction I authorized. 



2. Notification Obligation : As required by FCRA 605B ( b ), Experian must promptly notify the furnishers of the information about the identity theft claim, the requested block, and the effective dates of the block.

3. Limits on Declining or Rescinding the Block : Experian may only decline or rescind a block under very specific circumstances, as outlined in FCRA 605B ( c ). Any decision to decline or rescind a block must be accompanied by prompt notification to me, including an explanation as required by FCRA 1681i ( a ) ( 5 ) ( B ).

Action Requested I demand the following actions : 1. Immediate removal of the fraudulent account and inquiries identified above.

2. Notification to all furnishers of the fraudulent nature of the account and inquiries.

3. Written confirmation within 30 days that the disputed information has been removed or blocked, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 



Next Steps Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory agencies. Additionally, I reserve the right to seek legal counsel to pursue remedies under federal law, including damages for violations of the FCRA and any other applicable statutes. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
We have a credit freeze w/TransUnion. Friday, starting at about XXXX XXXX  I tried to lift the freeze using their online system while I was online with a merchant. After I logged in, their website sent a code to my email address. After about 5 minutes ( did not time the wait ), since there was no " resend '' option on the web page, I closed the web page and attempted to login again. This time, I timed 10 minutes and when I had not received an email, I tried to login again- the THIRD time, with NO prior warning, I was told my account was locked. The web site gave a phone number to call ; but the office was closed. 

I sent them a message on XXXX, and received back a pointer to their website and a indication that I would get a response within 72 BUSINESS HOURS. 

25 minutes after the initial request for a code, the code showed up in my email. Message headers indicate the message was not SENT until 22 minutes after my first login attenot. 

Saturday morning, I tried to log in again ; but the account was still locked. I spent 15 minutes on hold and then was disconnected - I'm now on hold again.

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 2024-11-30 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: TX

Complaint narrative:
I have filed MULTIPLY disputes, with XXXX, XXXX and EXPERIAN and the same INACCURATE and NEGATIVE information continues to appear on my Credit File despite me submitting the necessary " supporting documents '' to prove it. As a result my credit scoXXXX continues to fluctuate between XXXX - XXXX, -- which is horrific. 
Prior to the Identity Theft ( XXXX ) my score was in the XXXX range and it should be in the XXXX by now! 

I am dealing with a known HACKER and I strongly believe that he is RESPONSIBLE for somehow ALTERING my record. He has sent me FAKE Social Security Documents, I just had all the money drawn out my account XX/XX/XXXX, and for the life of me he continues to alter and POST INACCURATE info on my file with ALL three Credit Bureaus, -- and NO ONE IS ABLE TO STOP THIS FROM HAPPENING!!! 

REVOLVING ACCOUNTS **INQUIRIES : XXXX, DEFINITELY NOT ME APPLYING FOR CREDIT -??? 

XXXXXXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX **XXXX XXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ) FRAUD ACCT I did not open nor do I have any knowledge of this accout whatsoever! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX : ( PAID IN XXXX ) **JOB HISTORY : INCOMPLETE

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 2024-11-30 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: GA

Complaint narrative:
I am disputing the inaccurate reporting of several student loan accounts on my credit report. These accounts were in deferment and good standing while I was participating in the U.S. Department of Education 's Total and Permanent Disability ( TPD ) discharge program. The accounts were subsequently paid off through this program, yet they are being reported as closed without accurately reflecting their deferment or paid status. 

The accounts in question are : Account # XXXX : {$8500.00} ( closed XX/XX/XXXX ), {$2000.00} ( closed XX/XX/XXXX ), {$860.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$36000.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$24000.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$2000.00}, {$8500.00}, {$36000.00} ( all closed XX/XX/XXXX ). 
The inaccurate reporting impacts my credit score and does not reflect the accurate history of these accounts. I have contacted the credit bureaus, but they updated only the remarks with a " dispute resolved - consumer disagrees '' status instead of making the necessary corrections. 

I am requesting that the CFPB facilitate an investigation to ensure the accounts are accurately reported as paid through the TPD discharge program and reflect their prior deferment status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
I am disputing the inaccurate reporting of several student loan accounts on my credit report. These accounts were in deferment and good standing while I was participating in the U.S. Department of Education 's Total and Permanent Disability ( TPD ) discharge program. The accounts were subsequently paid off through this program, yet they are being reported as closed without accurately reflecting their deferment or paid status. 

The accounts in question are : Account # XXXX : {$8500.00} ( closed XX/XX/XXXX ), {$2000.00} ( closed XX/XX/XXXX ), {$860.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$36000.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$24000.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$2000.00}, {$8500.00}, {$36000.00} ( all closed XX/XX/XXXX ). 
The inaccurate reporting impacts my credit score and does not reflect the accurate history of these accounts. I have contacted the credit bureaus, but they updated only the remarks with a " dispute resolved - consumer disagrees '' status instead of making the necessary corrections. 

I am requesting that the CFPB facilitate an investigation to ensure the accounts are accurately reported as paid through the TPD discharge program and reflect their prior deferment status.

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 2024-11-30 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2024-11-30 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-11-30 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: IL

Complaint narrative:
I am filing this complaint against Experian regarding their failure to resolve disputes and properly address unverifiable or inaccurate information on my credit report. Despite following the proper dispute process, Experian has allowed certain creditor accounts to remain on my credit report without timely verification or removal, as required by the Fair Credit Reporting Act ( FCRA ).

Specifically : 1. I have disputed several accounts, requesting verification of their accuracy and validity.

2. The creditor companies associated with these accounts have failed to comply with their own policies and the legal requirements to provide verification in a timely manner.

3. Experian has not taken appropriate action to remove these unverified accounts from my credit report despite clear evidence of non-compliance by the creditors.

These unresolved issues have caused harm to my creditworthiness and financial standing. I provided Experian with all the necessary details and supporting documentation, including certified dispute letters and proof of delivery, but I have not received adequate resolution. 


ACCOUNT : 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 explanation
Consumer complaint received 2024-11-30 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: GA

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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : DEPT OF ED/AXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 non-monetary relief
Consumer complaint received 2024-11-30 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: IN

Complaint narrative:
This CEPB comolaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. XXXX accounts nave meuited 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 rico credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: GA

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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-11-30 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: GA

Complaint narrative:
I have inquiries on my transunion report that I didn't do XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please see the attached letter and dispute information.

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 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
They will call multiple days in a row all within different times of the days. Constant calling from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I set up auto-pay for my second mortgage payment. The autopay took money from my checking account on XXXXXXXX XXXX XXXX XXXX- the due date. 

However, I started getting threatening letters from the mortgage company/lender. They were threatening to start foreclosure proceedings. 

I immediately wrote back, providing proof and their own confirmation number. They didn't give a XXXX, despite their fake investigation that they began which took far too long. It was extremely harassing and stressful, considering we just bought our very first house ever and this was our second scheduled payment. 

Then they began to threaten foreclosure proceedings. So I had no choice but to pay them a second time in XXXXXXXX XXXX and contact my bank for a refund of the uncredited XXXXXXXX XXXX XXXX payment. 

HOWEVER, the XXXX mortgage company/lender is now charging me a FINE of {$25.00} for the extreme distress that they put me through by not properly crediting my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: PA

Complaint narrative:
equifax reinserted a account that was removed through litigation and refuses to delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There was a claim filed on XX/XX/XXXX is the amount of {$2000.00} with Wells Fargo. I explained the situation to the that this was a duplicate transaction and needed to be reviewed immediately. I was unfortunately let down by Wells Fargo.

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