vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Regional Management Corporation
State: TX

Complaint narrative:
The detrimental impact of the derogatory rating on my credit report has created a cascade of financial hardships that continue to worsen with each passing day. Most notably, my recent loan application was denied, and my existing credit accounts have been hit with increased interest rates, creating additional financial strain during an already challenging time. This situation has not only affected my immediate financial stability but has also generated significant emotional distress as I watch my carefully built credit standing deteriorate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested proof of my wet signature bonding me to this contract per FCRA 15 U.S.C 1681i ( a ) ( 1 ) ( a ) or remove item from my credit report. I received an update stating debt was verified but according to my credit report there are inaccurates therefore debt could not have been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-02 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-02 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: World Acceptance Corporation
State: TX

Complaint narrative:
The detrimental impact of the derogatory rating on my credit report has created a cascade of financial hardships that continue to worsen with each passing day. Most notably, my recent loan application was denied, and my existing credit accounts have been hit with increased interest rates, creating additional financial strain during an already challenging time. This situation has not only affected my immediate financial stability but has also generated significant emotional distress as I watch my carefully built credit standing deteriorate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: SC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported without my authorization, and I request their immediate removal from my credit report. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-02 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
To whom it may concern : I have been trying to clean up my credit and investigate and ask for the correct information and the credit agencies. Due to my information being leaked in a data breach. The correspondence I received back could not provide this.

[ Creditors Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] [ Send a fully detailed list of the payment history on this account ] [ Has there been any insurance claim found on this debt ] [ Show the chain of title that you have to collect on this debt ] [ Is there proof a Dunning letter was ever sent ] Per 15 USC 6802, 15 USC 1681b, 18 USC 1028A, My credit has been effected illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX i was charged a {$4.00} late fee, on XX/XX/XXXX i was charged a {$37.00} late fee, on XX/XX/XXXX i was charged a {$37.00} and XX/XX/XXXX i was charged {$37.00} late fee. XX/XX/XXXX a {$37.00} late fee, also on XX/XX/XXXX a {$37.00} late fee and on XX/XX/XXXX a {$37.00} late fee was charged to account. Children place has not sent me my billing statement EVER SINCE OPENING THIS ACCOUNT. Children Place, comenity bank has charged me late fees even when my payment was not late. 15 USC 1666b- timing of payments state that 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 1637B of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. This creditor is in violation of 15 USC 1666B by considering my payments late in charging me late fees and finance charges for payments that were not late. I demand this creditor to prove they have reasonable procedures designed to ensure that my periodic statement was mailed or delivered to me no later than 21 days before the due date including the information required by section 1637B of the FCRA.

Childrens Place needs to prove they are not willfully violating the law and prove the mailing/delivery of my billing statements I have not EVER received my periodic statement 21 days before the due date or at all from this creditor since the opening of my account yet this creditor still automatically charges me late fees, which is in violation of my rights under the FCRA. I have attached the email Childrens place sends me about 10 days before bill due, it doesnt satisfy the information required by law in a billing statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-02 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: I.C. System, Inc.
State: OH

Complaint narrative:
To whom it may concern : I have been trying to clean up my credit and investigate and ask for the correct information and the credit agencies. Due to my information being leaked in a data breach. The correspondence I received back could not provide this. 

[ Creditors Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] [ Send a fully detailed list of the payment history on this account ] [ Has there been any insurance claim found on this debt ] [ Show the chain of title that you have to collect on this debt ] [ Is there proof a Dunning letter was ever sent ] Per 15 USC 6802, 15 USC 1681b, 18 USC 1028A, My credit has been effected illegally.

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 2025-01-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment Reporting Under 15 U.S.C. 1666 ( b ) To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and pursuant to Section 1666 ( b ) of the United States Code. Specifically, I believe that the late payment ( s ) reported by [ Creditor 's Name ] for [ Month/Year ] are incorrect and do not reflect my true payment history.

The disputed account details are as follows : Creditor/Servicer Name : XXXX XXXX XXXX Account XXXX Date ( s ) of Late Payment Reported : XX/XX/XXXX Amount Reported Late : Paid Creditor/Servicer Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ( XXXX ) of Late Payment Reported : XX/XX/XXXX Amount Reported Late : {$230.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute that this account was reported as a late payment for the following reasons : According to 15 U.S.C. 1666 ( b ), I am entitled to a resolution of the dispute within 30 days. Under the law, if the reported information is found to be inaccurate or incomplete, the credit reporting agency is required to correct or remove it.

I request that you : Investigate this dispute
and correct or remove the inaccurately reported late payment ( s ).

Provide me with written confirmation of the outcome of your investigation, including a copy of my updated credit report reflecting the corrected information.

Notify the creditor that the reported late payment is under dispute and, if necessary, provide them with my dispute information for further clarification.

Please confirm receipt of this letter and inform me of the next steps in the dispute process. If you require additional documentation or clarification from my end, feel free to contact me directly at XXXX or via email at XXXX Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX XXXX, XXXX XX/XX/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