vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly urge you to remove these fraudulent accounts from my credit report, as I neither initiated them nor was aware of their existence. According to USC 1681g, I am requesting their deletion within 15 days. Supporting documents have been provided.

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 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I keep having repeated phone calls from robots along with them leaving voicemails. My main concern is they sent me a text message with my information that anyone could have accessed on my phone. 

They continue to change the number theyre calling from to trick me into answering their phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: OneMain Finance Corporation
State: MI

Complaint narrative:
I have had a lot unauthorized inquiries on my credit profile I have reached to the and i was told there is nothing I can do about it. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOneMain XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Immediate Removal of Reinserted Derogatory Account Under the Fair Credit Reporting Act ( FCRA ) Dear, TransUnion To Whom It May Concern, I am writing to formally dispute the recent reinsertion of a derogatory account on my credit report. The account in question, XXXX  XXXX XXXX - Account # XXXX, was previously removed after a dispute but has now been reinserted without proper notification or validation, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

As ststed under 15 U.S.C 1681i ( a ) ( 5 ) ( B ), a credit reporting agency is prohibited from reinserting deleted information unless : 1. The information provider cerifies the accuracy and completeness of the information.

2. I am notified in writing within five business days of reindertion. 

To date, I have not recieved any written notification regarding this reinsertion, nor has there been any evidence provided that the account was verified for accuracy. The lack of compliance with these legal requirements raises significant concerns about your agency 's practicesand adherence to federal law. 

The derogatory account, which was previously deleted, was likely removed because the information could not be validated or was determined to be inaccurate. By reinserting this account without proper verifaction and notice, your agency is violating consumer protection laws, including but not limited to : 1. Failure to notify me of the reinsertion as required by 15 U.S.C 1681i ( a ) ( 5 ) ( B ) ( ii ).

2. Faliure to ensure the accuracy of the information as per 15 U.S.C 1681e ( b ).

3. Unfair practices in reporting under 15 U.S.C 1681s-2 ( b ).

This incorrect reporting is causing me undue harm by negatively impacting my credit score and financial standing. As such, I demand the following : 1. Immediate removal of the reinserted account from my credit report.

2. Written confirmation that the account has been removed within 10 business days.

3. An investigation and audit of your agency 's procedures to ensure compliance with FCRA requirements.

If this issue is not resolved promptly, I will have no choice but to escalte the matter. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue legal action under the FCRA, which allows for statutory damages, punitive damages, and attorney 's fees.

I expect your response and confirmation of corrective action within 10 business days from the date of this letter. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to complaint to XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 
As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2025-01-08 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: SC

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has failed to properly investigate my dispute and failed to remove inaccurate information from my credit report nor provide any of requested documentation pertaining to the procedures used during their " alleged investigation ''. The information pertaining to an alleged collection account, XXXX XXXX has improperly reported to my consumer file for 2+ years causing financial hardships and denials of credit opportunities. XXXX and XXXX has removed this inaccurate/ unverifiable account. Experian has not removed this unknown account and hasn't responded to my request to provided documentation of the procdures used to verify this debt. The Debt Collector has failed to identify themselves properly to me nor provide any documentation to validate this alleged debt. I have sent SEVERAL request to Experian to XXXX this unverifiable collection account or provide documentation that validates this debt to my name and Experian has not done either. I've asked for proof of Verification to Experian 's investigation since XX/XX/year>, XXXX months. Experian is in violation. Delete these accounts and unauthorized inquiries immediately. See below documentation.

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 2025-01-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: 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 non-monetary relief
Consumer complaint received 2025-01-08 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Houston Finance Co.
State: TX

Complaint narrative:
Houston Financial is a loan company that I have never even heard about. I noticed a hard inquiry followed by an open line of credit with them on or about XX/XX/XXXX. I immediately put a freeze on my account and filed disputes with all 3 bureaus. I tried calling HF and they told me to send in a picture of my ID on XX/XX/XXXX. I thought this was suspicious as I never have given me any information, however they are claiming they have a picture of my drivers license, banking info, and a selfie to verify the identity. I do not have any knowledge of this line of credit nor where the funds were distributed to. I called again today, XX/XX/XXXX and was met with the same contempt and was instructed to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX credit insurance is through assurance insurance Im being denied for claims. Two individual claims have been denied first time paperwork is correct. XXXX XXXX denied because I didnt have the premium package through XXXX XXXX XXXX : Breach ( XXXX ) driver license, social security number, etc. ) personal information compromise XXXX XXXX XXXX XXXX Breach ( XX/XX/XXXX ) ( drivers license, social security number, etc ) personal information compromised XXXX : Breach ( XX/XX/XXXX ) drivers license, social security number, etc personal information compromised XXXX XXXX XXXX Breach ( XX/XX/XXXX ) notified of breach ( XX/XX/XXXX ) Documention mailed by companies concerning negligence of XXXX member XXXX negligence have been allowed by XXXX i Have started claims and have proved documentation the insurance company assurance have denied twice and on the appeal have denied after all documentation justified funds taken out my account the documents from the back and also I have lost my job and im terrified my XXXX daughters personal information is part of the brenches as well. ( XXXX ) XXXX XXXX XXXX XXXX XXXX allowed breach the insurance assurance claims lost wages and banking denied.

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 2025-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a dishwasher from bestbuy online on XX/XX/scrub>XXXX XXXX XXXX  and canceled it the next day. However I received the delivery the next day and was told by delivery drivers it was cancelled. They forced me to let them in and insisted it was never cancelled. After they installed it, I called bestbuy to see why my order wasnt cancelled. I was told it was cancelled but was delivered by mistake and someone from another department will call me back in 7 days to let me know the solution. No one called me but end up charging my cards for the cancellation. I opened a claim with city bank who is the insurer of the bestbuy credit card so I could get my money back because bestbuy keep refusing to come get the dishwasher so I could be refunded. City bank and Best Buy are fraudulent companies that are forcing customers to buy products that they dont want.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Aspire Credit card- unfair charges such as 36.99 % interest rate and charges high late fees and purposely won't post a payment after XXXX daily or weekends or holidays in order to charge a late fee ..very deceptive trade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have always maintained very good credit ( I am XXXX XXXX XXXX ), although I do not use a lot of credit. I do not have a credit card in my name as I use a debit card instead. I always monitor my report with a membership to Experian.com. My score has been consistently between XXXX for the past few years. On XX/XX/XXXX without any warning by Experian they removed my credit score due to lack of use and I no longer have any score at all. I have confirmed that they did this. I am now being bombarded with emails from them and others trying to sell me credit cards. I have no derogatory accounts, and I have all of the following monthly payments in my name : XXXX, XXXX, Electric bill, Gas bill, car insurance bill, health insurance bill. However, when I tried to add these to my report on the Experian website, it would not let me with no explanation. I do not have house payment or car payment. However, up until as recently as XX/XX/XXXX I did have a car payment with a perfect payment history. 
I have tried multiple times reaching someone at Experian, but they will not put you through to a representative for this reason and you get disconnected.

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 2025-01-08 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: WA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been asking for a updated copy of my credit report and score and XXXX is refusing to give me one or even do it online so I can see it and it still says my report has not been updated since XX/XX/XXXX and trans union says it hasnt been updated since XX/XX/XXXX its ridiculous and damages my credit worthiness with creditors they are in complete violation of 15 usc 1681 and 15 usc 1692 and I will be seeking damages in the amount of {$5000.00} via my attorney they said I dont have an address on file I just moved to XXXX and my new address is XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX my old address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX so they need to remove my old address and replace it with the new address immediately

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