vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, my account was charged {$1900.00}, which was processed using a forged signature. As of XXXX, this account has been classified as charged off and written off ; however, it continues to be reported actively. I recently contacted the company to request a 1099-C form, considering the account is now closed. I was told to follow up with them during the next billing cycle for more help.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies The laws in effect on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCONSUMER CREDIT PROTECTION 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Credit Card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX and a Credit Card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent derogatory accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was out of the state due to my work schedule and recently discovered a lawsuit against me regarding a long-ago credit card debt that i believed I had already settled. Unfortunately, because I was away, I wasn't able to check my mailbox regularly, It's only now that I've found a letter dated XX/XX/XXXX from XXXX XXXX XXXX, attempting to collect on this debt, which I don't even remember having it dated back to XXXX. I was surprised to learn that this collector has proceeded to sue me without me ever having received their initial correspondence. I feel that I was being sued unfairly.

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: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to formally dispute late payment entries on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ). 

According to my credit report dated XXXX, XXXX and XX/XX/XXXX there are late payment entry listed for : XXXX. XXXX XXXX XXXX, Account number : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX Account number : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number : XXXX, XX/XX/XXXX XXXX. XXXX XXXX, Account number : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, Account number : XXXX, XX/XX/XXXX. However, I would like to bring to your attention that the late payments are inaccurate and unjustified.

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate these late payment entries and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

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

Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: GA

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was hacked on the web due to the leak Trans Union things on my account that has not been removed. Other accounts are showing up that are not mine. My bank account has been hacked. I need all these things 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I've had to file numerous complaints regarding the same issue with my mortgage company saying I'm more than 30 days late yet I have receipts showing my loan is paid on time every month. Most of last year and now this year again. How many complaints am I going to have to file before something is FINALLY done??????? 

I have a reporter from XXXX XXXX on standby ready to come to my house to get to the bottom of this issue.

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:
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 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian reporting incorrect information. Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) Old information reappears or never goes away Incorrect information on your report. Information is missing that should be on the report. 
Account status incorrect ( showing open account as closed, showing delinquent account when it's not )

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and identified several inaccuracies that are negatively impacting my ability to obtain credit. I am requesting an investigation to ensure the accuracy of the following item : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please review this information

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal dispute regarding a fraudulent account with XXXX XXXX XXXX that is being improperly reported on my credit file. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies ( CRAs ) to block and delete fraudulent accounts within four business days once proper documentation is provided. I have already submitted all required documents to the CRAs, including : 1. Proof of my identity, 2. A formal notice of dispute, and XXXX. An FTC Identity Theft Report. Despite meeting these requirements, the CRAs have failed to block and delete the fraudulent XXXX XXXX XXXX account from my credit report within the legally required timeframe. This failure is a clear violation of FCRA Section 605B ( c ). Additionally, I have disputed this account in the past, but the CRAs claimed it was verified as accurate by XXXX XXXX XXXX. When I requested documentation proving how the account was verified, the CRAs failed to provide any evidence or records from the creditor to support their claim. This violates FCRA Section 611 ( a ) ( 6 ), which requires CRAs to provide consumers with details about the verification process. Without proper verification or supporting documentation from XXXX XXXX XXXX, this account can not legally remain on my credit report. Under California XXXX, particularly Civil Code Section 1785.25 ( a ) of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), creditors are also prohibited from reporting inaccurate information to CRAs. If XXXX XXXX XXXX has failed to properly investigate or verify this account before reporting it as accurate, they may also be in violation of state law.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal dispute regarding a fraudulent account with XXXX XXXX XXXX that is being improperly reported on my credit file. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies ( CRAs ) to block and delete fraudulent accounts within four business days once proper documentation is provided. I have already submitted all required documents to the CRAs, including : 1. Proof of my identity, 2. A formal notice of dispute, and 3. An FTC Identity Theft Report. Despite meeting these requirements, the CRAs have failed to block and delete the fraudulent XXXX XXXX XXXX account from my credit report within the legally required timeframe. This failure is a clear violation of FCRA Section 605B ( c ). Additionally, I have disputed this account in the past, but the CRAs claimed it was verified as accurate by XXXX XXXX XXXX. When I requested documentation proving how the account was verified, the CRAs failed to provide any evidence or records from the creditor to support their claim. This violates FCRA Section 611 ( a ) ( 6 ), which requires CRAs to provide consumers with details about the verification process. Without proper verification or supporting documentation from XXXX XXXX XXXX, this account can not legally remain on my credit report. Under California law, particularly Civil Code Section 1785.25 ( a ) of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), creditors are also prohibited from reporting inaccurate information to CRAs. If XXXX XXXX XXXX has failed to properly investigate or verify this account before reporting it as accurate, they may also be in violation of state law.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
- I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
A fraudulent collection acct has been placed on my Transunion credit report for {$900.00} in XX/XX/2024 from XXXX XXXX XXXX This acct is not mine. I have requested from info from company and no response. I also have inquiries that I did not authorize from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: GA

Complaint narrative:
Address XXXXXXXX XXXX XXXX needs to be removed from report No knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires I did not consent to 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
- I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: GA

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation