vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, An individual stole my phone number ( XXXX ) and gained access to my Bank of America account. I did not have any access to XXXX after XX/XX/XXXX, as it was hacked and stolen, therefore I did not authorize any transactions made after this date. They had created an XXXX XXXX account without my authorization and transferred my funds from my bank account without my authorization. I had immediatly went to the XXXX XXXX XXXX BoA ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and made a fraud claim by associate XXXX XXXX. When my BoA account was closed, I still had around {$3600.00} remaning in my balance. However, only {$1600.00} is my original balance and the amount I want back, and BoA is refusing to give my original balance.

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 monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/year> I reached out to Midland Credit Management and explain to them my needs and concern. I explain them why I field behind on my XXXX XXXXredit card as well as my XXXX XXXX  credit card. I asked Midland Credit Management could I pay both balance in full they explain to me it was illegal for Midland Credit Management to try to collect a debit in the state of North Carolina therefore the debit was forgiving {$0.00} was owe on the debit all account regarding both of these collections was ceased and no further obligation was needed and all knowledge of these to collections could be deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
XXXX XXXX XXXX # XXXX D.O.B XXXX CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, XXXX and XXXX XXXX XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX under the account number XXXX, a credit card opened on XX/XX/XXXX. XXXX under the account number XXXX ) internet account opened XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX credit card account opened XX/XX/XXXX, XXXX XXXX XXXX under account XXXX, and inquiries from XXXX XXXXXXXX via Dealer XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts have resulted in several fraudulent hard inquiries and fraudulent accounts 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 FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-27 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: IL

Complaint narrative:
I need your assistance in addressing accounts where companies are inaccurately reporting late payments. After being laid off, I asked for payment forgiveness, and they agreed, but they continue to list them as late. Ive tried contacting them but have received no updates, so Im reaching out to you as a last resort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-12-27 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My Ex opened multiple credit cards using my info without my knowledge 

Account info
Account name
COMENITYCB/XXXX
Account number
XXXX
Account type
Charge Card
Responsibility
Individual
Date opened XXXX  Status
Closed. XXXX written off.
Status updated
XXXX XXXX  Balance
XXXX  Balance updated XXXX
Recent payment
-
Monthly payment
XXXX  Credit limit
XXXX
Highest balance
XXXX  Terms
-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
Date : XXXX XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-27 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: LA

Complaint narrative:
I recently received a copy of my credit report and found that its some illegally reporting inaccurate information about me. The following is listed as a collection with PAST DUE balance of : {$240000.00}. 
XXXX XXXX XXXX Acct # XXXX {$110000.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX This a violation of the FCRA and is also in in violation of requisite XXXX XXXX Compliance reporting standards. Accordingnto the Fair Credit Reporting Act I have the right to a fair and accurate report, therefore any information that is not true, accurate and verifiable is required to be removed thank you for your time and understanding. 

With Great Sincerity, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: LA

Complaint narrative:
I recently received a copy of my credit report and found that its some illegally reporting inaccurate information about me. The following is listed as a collection with PAST DUE balance of : {$240000.00}. 
XXXX XXXX XXXX Acct # XXXX {$110000.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX # XXXX This a violation of the FCRA and is also in in violation of requisite XXXX XXXX Compliance reporting standards. Accordingnto the Fair Credit Reporting Act I have the right to a fair and accurate report, therefore any information that is not true, accurate and verifiable is required to be removed thank you for your time and understanding. 

With Great Sincerity, 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 account listed without my expressed written consent.

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 2024-12-27 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have a false delinquent account listed with Barclays. After explaining that my credit card was stolen and misused, which prevented me from accessing my payment account, Barclays assisted in closing the account. However, the negative notationsspecifically the late payment statuses from XX/XX/year> and XXXX XXXX incorrectly appear on my credit report. When I contact customer service, Im informed that there are no late payments on the account, which is reported as being in good standing and now closed. When I request supporting documentation, they promise to send it, but I only receive letters stating that Barclays can not provide the requested information. Despite reaching out to customer service, the fraud department, and the Office of the President of Card Services, I am not achieving any meaningful results.

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 2024-12-27 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of XXXX  I requested copies of my credit history, including dates, original payees, and supporting documents that verify the debt. However, I did not receive any supporting documents. 

Additionally, this account was closed on XX/XX/year> ( Caller ID : XXXX ). During that same call, an unauthorized cease and desist request was placed on my account. There was no disclosure read for the closing of the account or for the unauthorized cease and desist request.

Furthermore, 15 US Code 1666b states : " 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 they send the information in section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. '' XXXX XXXX can not provide proof that a statement was mailed or delivered 21 days before any payment was due. Email correspondences are not verifiable sources of mail delivery.

The inaccurate reporting is in violation of 15 US Code 1681a ( 2 ) ( A ), 15 US Code 6802, and 1016.15a ( 1 ) since there was an unauthorized cease and desist noted on the account at the time of reporting, and 1016.14 ( b ) ( 2 ) ( i ) since the account was closed prior to the payment due date. There was no contract or disclosures to validate the late payment that is now being reported to my credit report. 

Additionally, XXXX XXXXXXXX XXXX  did not disclose in writing, or by phone, that payments on closed accounts will continue to result in reporting to third-party agencies.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the reporting of a paid charge-off account on my credit report. was fully resolved on XX/XX/year>, yet it continues to be reported as a charge-off monthly. This practice is both inaccurate and misleading, violating my rights under the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, particularly 15 U.S.C. 1681i, consumer reporting agencies are required to ensure maximum possible accuracy of information reported. Reporting a paid charge-off as an ongoing delinquency each month is a misrepresentation of the account 's true status and negatively impacts my creditworthiness.

Additionally, under 15 U.S.C. 1681c, outdated or incorrect information should not remain on a credit report if it does not reflect the account 's current status. Since the debt has been resolved, further reporting of this account as a monthly charge-off constitutes a violation of these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of a paid charge-off account on my credit report. was fully resolved on XX/XX/year>, yet it continues to be reported as a charge-off monthly. This practice is both inaccurate and misleading, violating my rights under the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, particularly 15 U.S.C. 1681i, consumer reporting agencies are required to ensure maximum possible accuracy of information reported. Reporting a paid charge-off as an ongoing delinquency each month is a misrepresentation of the account 's true status and negatively impacts my creditworthiness.

Additionally, under 15 U.S.C. 1681c, outdated or incorrect information should not remain on a credit report if it does not reflect the account 's current status. Since the debt has been resolved, further reporting of this account as a monthly charge-off constitutes a violation of these provisions.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the immediate removal of incorrect information from my credit report, specifically the inaccurate address XXXX XXXX XXXX XXXX  NJ XXXX, and the incorrect employer listed as XXXX XXXX Please update my credit report to reflect only accurate and verified information. Once these corrections are completed, I request written confirmation from Equifax, along with an updated copy of my credit report. Addressing these issues promptly is essential to ensuring the accuracy and integrity of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgence collections keeps emailing me constantly and are claiming I owe them money, I don't owe any money on anything, they also didn't send any letters to anyone I know, i checked. They also emailed me 10 times in 2 weeks, insane amount if you ask me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief