vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2025-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My current mortgage is with Mr. Cooper. I missed a payment in XXXX, and at the middle to end of XXXX requested a payment arrangement. The rep assigned to my account insisted on me going delinquent and she will work something out. When it was denied the beginning of XXXX she instructed me to go 60 days delinquent and THEN she could do a loan modification and then told me to call and ask for her and remind her of her plan and she would get me taken care of ( I have a witness ). In the midst of that I had personal things going on ( losing my dad ) and I told her about it and that I have XXXX kids and cant lost my house and she said dont worry shes got me.. after I was instructed that during underwriting to also NOT make payments, even though I said I could and wanted to. She still insisted on me not doing anything and shed handle it. Any rep since has said she was wrong, she shouldnt have done that and all that. I am now facing foreclosure, and absolutely can NOT find another lender that will lend to me BECAUSE were 6 months behind., my husband makes XXXX XXXXXXXX we have and had no problem making them payments but again was instructed otherwise. Mr cooper is full of crooks, and something needs to happen. Im not the only client theyve screwed over!! I would never recommend Mr Cooper to a soul, not even my worst XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I received a negative report on credit report from this 3rd party collection agency Ive never done business with this company or never gave them my personal information I believe this company is illegally using my information and breakig the laws under 15 USc 1601

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 2025-01-11 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: TX

Complaint narrative:
I do not recognize nor did i authorized these inquiries and I have asked the credit bureau to remove them from my credit report Im also uploading a identity theft report also Im requesting them to be removed.

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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has charged me over {$4000.00} in the past 90 days in overdraft fees and they wont reimburse me for any of them. Ive never banked anywhere where they wont give you a one time courtesy and forgive the fees, but the amount is insane. its causing financial hardship. My banking fees are 40 % of my transactions. Its causing great financial hardship to the point where I work XXXX hours a week and my electricity got turned off because I cant pay my bills.

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 2025-01-11 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: MN

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX have verified that the account they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 

More case law of non-compliance, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. 

I remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information. 

This account has already been deleted by XXXX and XXXX for FCRA violations. The first investigation was a sham into this account by you. As you know the CFPB is suing XXXX already for sham investigations and not properly verifying accounts, I would hate for another credit bureau to start having the same legal troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Demand for Immediate Reinsertion of Corrected Information XXXX XXXXXXXX Account Dear Sir/Madam, I am writing to demand the immediate reinsertion of corrected information related to my XXXX XXXXXXXX account ( Account Number : XXXX ) on my credit report. This letter serves as a formal notice of noncompliance under 15 U.S.C. 1681 ( i ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which governs the process of reinsertion of information after a dispute. 

I previously disputed inaccurate or incomplete information on my credit report concerning my XXXX XXXX account, and your investigation determined that the information was incorrect or incomplete. As per 15 U.S.C. 1681 ( i ) ( 7 ), when information is deleted due to a dispute, it may only be reinstered if it is subsequently verified as accurate. However, if the information was not properly verified, it must be removed immediately from my credit report. 

Given that your investigation concluded that the reported information was indeed incorrect, it is your legal obligation to delete it from my report. If you intend to reinstate the corrected information, you must comply with the requirements of 15 U.S.C. 1681 ( i ) ( 7 ), which mandates that you must provide written notice of such reinsertion within 5 business days of taking action. This notice must include the identity of the party that verified the information and a clear explanation of why the information is deemed accurate.

Failure to comply with this law is a direct violation of my rights under the FCRA and will not be tolerated. As required by 15 U.S.C. 1681 ( i ) ( 7 ), I expect full transparency regarding any subsequent reinsertion of information and demand immediate removal of any unverifiable data from my credit report. 

If this issue is not resolved within 15 days from the date of this letter, I will take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for any harm caused by the continued inaccurate reporting of information. Additionally, I will seek all available remedies, including damages, for any harm to my creditworthiness. 

Let me reiterate : I demand that you immediately correct the inaccurate information and reinstate the corrected data onto my credit report. Any further delay or failure to act in compliance with the FCRA will leave me no choice but to pursue all available legal actions. 

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 2025-01-11 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 2025-01-11 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: OK

Complaint narrative:
I have disputed in accurate information negatively impacting my credit by XXXX XXXX XXXX XXXX for over a year & Experian has constantly verified the debt without sending me any proper documentation that proves Im liable for the debt. The account number in question with XXXX XXXX XXXX XXXX is XXXX. I also have disputed a collection with XXXX XXXX XXXX. Account number XXXX. Ive never had an account with them. They are illegal coming after me for a debt that they never had Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4.

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 2025-01-11 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: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX 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 2025-01-11 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: FL

Complaint narrative:
Equifax is the ONLY credit reporting agency reporting this XXXX XXXX XXXX collection on my credit report. I have request debt accuracy, debt validation, and a copy of the original contract with my signature on it none of which Equifax nor XXXX XXXX XXXX can provide. 

I have disputed this collection several times all which Equifax responds the collection is valid. However, as a victim of the Equifax Data Breech XXXX  it is possible that my identity was fraudulently used to business with the original creditor leading to this collection being placed on my credit report. I have received several payouts from the settlement indicating that my personal information and privacy breeched several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I received notification from XXXX credit bureau that my Smile XXXX account was closed. The same day XX/XX/year> I reached out to the creditor they informed me account is open and in good standing and theyve been reporting this status of the account to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AL

Complaint narrative:
My identity was stolen and I put a freeze on my credit but they never locked my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
DEBT AMEX ACCOUNT DISPUTE XXXX DATE XXXX XXXX Dear sir/Madam, I am writing to formally dispute the account listed under account number on my credit report with an amount of {$3500.00}, as I do not recognized this debt.this account is reported as charged off with a profit loss/write off ; However I have been receiving multiple collection attempts from this company.Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
Well I got a notification from experian that an account went current but they didn't change it then when I disputed it they didn't update it just kept it the same I've also submitted that my car account started in XXXX but they have it starting in XXXX I asked for that to be investigated for false information on my report and they didn't investigate just verified it and kept it the same and I sent them the car contracted that started in 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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-01-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation