vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
Re : Dispute of XXXX XXXX XXXX XXXXXXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate and unlawful reporting of the above-referenced XXXX XXXX XXXX XXXXXXXX account on my credit report. This company is in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and is engaging in misleading, false, and deceptive practices that infringe on my rights.

1. Failure to Provide Validation of Debt : Under 15 U.S.C. 1692g, I have the right to receive proper validation of the alleged debt, including details regarding the amount owed, the original creditor, and supporting documentation to substantiate their claims. Despite my attempts to resolve this issue directly with XXXX XXXX XXXX, they have failed to provide the required validation, yet they continue to report a charge-off on my credit report. This failure violates federal law. 
2. False and Deceptive Reporting : Reporting a charge-off without validating the debt or providing supporting documentation is a misleading and deceptive practice. This is a clear violation of my rights as a consumer and contradicts the standards set by the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

As a consumer, I am entitled to {$1000.00} per violation of my rights under the FDCPA. JPMCBs continued failure to validate the debt and their deceptive reporting practices constitute multiple violations. I demand that these accounts be removed from my credit report immediately or that I be compensated as per federal law. 

I have made good faith efforts to resolve these issues directly with XXXX XXXX XXXX  but they continue to disregard my rights. Therefore, I am requesting that the credit bureau take immediate action to investigate this matter and correct my credit report. 

Under the FCRA, you are required to conduct a prompt and thorough reinvestigation of disputed information and notify me of the results within 30 days of receiving this letter. 

If this matter is not resolved promptly, I am prepared to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this account or a resolution that is in compliance with federal law. You may contact me at [ XXXX ] or XXXX if further information is required. 

Sincerely, XXXX XXXX [ Last XXXX Digits of XXXX XXXX XXXX Let me know if youd like additional edits or enhancements.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Reference : Previous complaint record ( XXXX ) On XXXX XXXX, XXXX, I filed a complaint with the CFPB regarding Bank of America rescinding a job offer due to a " red flag '' in their internal system associated with the closure of my personal accounts several years ago. My complaint highlighted the financial and professional impact of this issue, as well as the lack of clarity provided by Bank of America regarding the reason for the flagged accounts. The complaint was sent to Bank of America on XXXX XXXX, XXXX, and on XXXX, XXXX, they acknowledged receiving it but requested additional time to respond. 
On XXXX XXXX, XXXX, Bank of America indicated to the CFPB that they would provide a detailed response. However, despite repeated follow-ups, I have yet to receive any direct response or resolution from Bank of America as of today ( XXXX XXXX XXXX ). 

I contacted Bank of America directly at the provided number, leaving messages, but have not received a return call or further communication. The lack of response has left me without resolution and continues to impact my professional and financial situation. 

I am filing this new complaint to request CFPBs assistance in obtaining a clear explanation from Bank of America regarding : - The reason my accounts were flagged internally. 
- The justification for rescinding the job offer based on this flagged status I respectfully request CFPBs help in ensuring Bank of America provides a resolution to this matter promptly.

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 2025-01-03 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: GA

Complaint narrative:
Subject : Request for Assistance with Credit Report Dispute I am writing to seek your assistance regarding inaccuracies on my credit report that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 
I have recently disputed several items with Equifax, including inaccurate accounts, late payments, collection accounts, and unauthorized inquiries. Despite my efforts to rectify these issues, I have faced challenges in achieving a resolution. 
**The specific items I wish to dispute include : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are inaccurately reported and have negatively impacted my creditworthiness. I have submitted a formal dispute to Equifax but have not received a satisfactory response or resolution. 
I kindly request your assistance in this matter. I believe that your office may be able to provide guidance or intervention to help ensure that my rights under the FCRA are upheld and that these inaccuracies are corrected. 
Thank you for your attention to this important matter. I appreciate any assistance you can provide and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
My personal information was involved in a data breach. I have many spam calls and reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. 
I demand the accounts to be removed immediately. This is causing many difficulties in my life. 
*please remove all non account holding inquiries over 30 days old 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Continued letters and phone calls. 
I do not have or had a student loan. 
Contacted Federal loan division and and confirmed on loan. Sent this info and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Report of Data Breach Violating 15 USC 1681 Dear CFPB, I am writing to formally report a serious data breach that has exposed my personal and financial information, including debts listed in the enclosed photo. This breach has led to violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which governs the accuracy and privacy of consumer information.

The photo attached to this letter shows specific debts that were not only inaccurately reported but also exposed without my consent or knowledge. This unauthorized disclosure raises significant concerns about identity theft and the integrity of my credit report.

The information related to my debts was shared inappropriately, putting my financial stability at risk. I believe that the entities responsible for this breach have not adhered to the required guidelines for protecting consumer data and ensuring the accuracy of information reported to credit reporting agencies. 

I urge the CFPB to investigate this matter thoroughly and take the necessary actions to address the violation of my rights and the potential risks to my financial well-being. I am requesting that you assist me in rectifying the inaccuracies on my credit report and safeguard my information from further breaches. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 2025-01-03 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: TrueAccord Corp.
State: FL

Complaint narrative:
My personal information was sold and used illegally to a 3rd party company and reported on my credit as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My personal information was sold and used illegally to a 3rd party company and reported on my credit as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I tried logging into my Experian App since I received two notices in the mail of attempted unauthorized account openings. When I tried logging into Experian, I realized I had an account takeover since my social and date of birth were linked to a fraudsters email account. 

I'm working on getting that resolved with Experian, but the issue I want to report today is with regard to Experians Automated Chat Assist when you call them. The system recognized I was having issues with logging in, but refused to allow me to speak with a representative. I'm paraphrasing, but the system states it's only allowed to transfer certain calls, and mine essentially didn't fit the criteria. This means that there's an 'infinite loop ' caused by the system- it request I put in my social security and zip code, it brings up the email address of the fraudster, and states that it will send an email to the address on file. 

I know there's was a post made in XXXX of 2023 regarding this topic - I'd just like to express my frustration having been barred from speaking with a live specialist due to the chabot system Experian has in place. Especially with regard to fraud/account takeovers.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: KS

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documentation so I may review to see the validity of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
Hello, good day. I kindly ask that you treat this matter with the seriousness it deserves, as it has caused me significant stress and anxiety. I am a victim of identity theft, and my personal information was used fraudulently. As a result, there is an item on my credit report that I have no connection to and was never associated with. Following the guidance provided by Equifax, I promptly filed a report with the FTC and submitted it to address this issue. Despite my efforts, this fraudulent item still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
Subject : Dispute of Charged-Off Account and Re-Reporting of Deleted Information under FCRA I am writing to formally dispute the reporting of a charged-off account associated with XXXX XXXX XXXX on my credit report. Additionally, I am raising concerns about XXXX repeated re-reporting of this account, which was previously agreed by the creditor to be permanently deleted. This letter serves as a demand for the immediate investigation and permanent correction or removal of this account pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2 and relevant provisions regarding credit bureau obligations. 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX : Equifax Under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to ensure the accuracy and integrity of the data they provide to consumer reporting agencies. Furthermore, FCRA 15 U.S.C. 1681i ( a ) obligates credit bureaus to conduct a reasonable investigation of disputes and to delete or correct any information that can not be verified as accurate. 

XXXX actions of re-reporting this account, despite the prior agreement for its permanent deletion, constitute a serious violation of the FCRA. Specifically : FCRA 15 U.S.C. 1681c ( f ) prohibits the reinsertion of deleted information unless the furnisher provides certification of accuracy, and the consumer is notified within five business days.

The repeated inclusion of deleted information undermines the integrity of my credit report and violates my rights as a consumer under federal law. 

In light of these violations, I am requesting the following immediate actions : The permanent deletion of the XXXX XXXX XXXX account from my credit file across all credit bureaus. 

Written confirmation that this account has been permanently removed and will not be re-reported in the future. 

Assurance that Equifax will implement proper measures to prevent the unauthorized reinsertion of deleted information.

Please be advised that failure to comply with the above requirements may subject the involved parties to liability for damages, including statutory damages, attorneys ' fees, and other legal remedies available under the FCRA. I request that you complete your investigation within the 30-day period provided by law and inform me of the resolution in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: OK

Complaint narrative:
I am filing a complaint against Experian regarding the inaccurate reporting of charge-off accounts on my credit report. These accounts, listed without permissible purpose as required by 15 USC 1681b, have caused significant harm to my financial standing. Despite my formal request for their removal, the credit bureau has failed to act in compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681n, 1681o, and 1681q, which address willful and negligent noncompliance and false pretenses in reporting. 

The inaccurate reporting of these accounts has severely damaged my ability to utilize credit, resulting in higher interest rates, denied applications, and limited financial opportunities. This has led to a loss of full faith in the integrity of the credit reporting system. 

I am seeking the immediate removal of these accounts from my credit report and written confirmation of this action. I expect the credit bureau to adhere to its legal obligations and resolve this matter promptly.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
I have submitted multiple attempts to the credit reporting agencies to remove these debts and collections from my account. My personal data and information was leaked multiple types in multiple data breaches with different companies. As a result of my personal data and information being leaked my information was accessible to hackers etc which in turn they opened up accounts in my name that I was unaware of. On top of that my mailbox has been broken into many times as well which put my personal data and information at risk as well.

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 2025-01-03 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: AL

Complaint narrative:
XXXX XXXX XXXX said I have an outstanding balance due of {$3900.00} on there behalf and Im reporting it as fraud because I didnt get a line of credit from them ever!

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