vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Five years ago, I closed this account. I went into the branch, pulled out all the funds out of the account checking on savings and told them to close my account at which point come to find out a year later I when the account went into collections with multiple charges that I didnt do. I found out that the account never got closed. I filed a police report on this sent it to the collection agency they close the account and sent it back to Mountain America Mountain America never close my account like they shouldve then two years go by and I dont hear a word from them or get any emails or letters or nothing until randomly, I got a letter showing that the savings account was still open, at which point again I sent the police report. They closed it again. Sent it back to Mountain America. Same thing happened for three years. I didnt hear anything until now. Thought it was closed and it never got closed! When Mountain America looked into this the first time around, they actually found it a previous employee who did this to multiple accounts. He was booked for fraud and sent to prison. He was fraudulently not closing accounts and charging things on peoples accounts without them, knowing he would change their email addresses and everything so they wouldnt get any notification which is what happened to me. This is how they found the guy and caught him Since then nobody seems to know what is going on with my account. They have no notes on it even though Ive sent the police report to both Mountain America and to the collection agency over three times and nobody seems to want to close this account. Theyve talked to the fraud department fraud department has no notes on it so they tell me that theyre gon na open up a fraud investigation even though five years ago this is what happened. Thats how they caught the guy. It should be a no-brainer to just close my accounts at the time my name was different. I was XXXX, and the name was even changed in their system by this guy to my maiden name, which now I go by again, cause Im divorced, but this is absolutely ridiculous. I dont see why they cant just close the account. Theres only a dollar in the savings account which shouldnt even have anything in it and multiple charges that are fraudulent that were done to the account by the guy whos already in XXXX  for it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AZ

Complaint narrative:
Incorrect personal information on my credit report

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 2025-01-05 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: CO

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 u.s.c. 1681 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 XXXX15 u.s.c 1681 section 602 A. state 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 an account without my written instructions.. 15 u.s.c. 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reports containing any of the adverse item of information, other than record 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 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 2025-01-05 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: CO

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 u.s.c. 1681 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 XXXX15 u.s.c 1681 section 602 A. state 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 an account without my written instructions.. 15 u.s.c. 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reports containing any of the adverse item of information, other than record 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute and Request for Verification Regarding Alleged Late Payment Dear XXXX XXXX, Thank you for your response dated XX/XX/XXXX, regarding my Victorias Secret Credit Card account ( ending in XXXX ). I appreciate your acknowledgment of my concerns and your statement that no delinquency is reported for XX/XX/XXXX. However, there remains a discrepancy between your findings

and my credit reports, which indicate a late payment for the said period. Discrepancies Identified Late Payment Reporting : While your response claims no delinquency is reported fo
r XX/XX/XXXX, the credit report I reviewed explicitly lists a late payment for this month. This discrepancy raises questions about the accuracy of the data being furnished to credit bureaus.

Account Closure Date : Your letter states my account was closed on XX/XX/XXXX. This date conflicts with the reported activity timelines and payment histories across XXXX, XXXX, and XXXX. 

Address Mismatch : You mentioned an address discrepancy, yet my correspondence included accurate and up-to-date information. I request clarification on how this mismatch affects your records and whether it influences the reported inaccuracies.

Request for Verification Pursuant to 15 U.S.C. 1681i and supported by rulings such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), I formally request : Verification of Late Payment : Provide internal records, payment receipts, and supporting documentation that confirm no late payment occurred in XX/XX/XXXX. This evidence must be consistent with all three credit bureaus. 

Details of Reporting Practices : Explain the methods and processes used to verify account status before reporting to credit bureaus. Include details of how you confirmed compliance with 15 U.S.C. 1681s-2 ( b ).

Updated Credit Report Details : Ensure the correction of any inaccuracies related to the alleged late payment and provide written confirmation once the credit bureaus have been notified of these updates.

Notice of Potential Legal Action The harm caused by inaccurate reporting can not be understated, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Should this matter remain unresolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider arbitration proceedings as outlined by the American Arbitration Association ( AAA ).

Next Steps I request acknowledgment of this letter within 10 days and a comprehensive response within 30 days as mandated by the Fair Credit Reporting Act ( FCRA ). Your timely resolution of this matter will prevent further unnecessary action.

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to remove XXXX XXXX XXXX to whom it XXXX concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter.

Sincerely, 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 2025-01-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX have an account listed on my credit report for {$4300.00}. The company is stating they are collecting a debt owed to XXXX XXXX for a lease agreement that I was declined for. Ive disputed this debt with XXXX XXXX and XXXX XXXX XXXX on numerous occasions and they refuse to remove this fraudulent account from my credit report. As a military member this debt has caused me significant financial harm and irreparable damage to my military career. Ive attached to this complaint a copy of the e-mail denying my application for a lease but the company still placed this account on my credit report fraudulently as if they offered me a lease. Due to this, Im requesting that this account be immediately removed from my credit report according to the FCRA as well as this company provide me with financial compensation for the harm caused to my career and my credit. Should this account not be immediately removed from my credit reports I will also file a complaint against XXXX XXXX  with the Georgia Attorney Generals office and a complaint against XXXX XXXX XXXXXXXX XXXX with the Utah Attorney Generals Office as well as submit a complaint with their associated states bar. In doing my due diligence Ive given both agencies ample time to correct this issue. However they refuse and I have no choice other than to take action against them.

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 2025-01-04 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:
My consumer report is showing information that I have not authorized even after informing all parties that I have denied authority and demanded correction. They refuse to follow the federal laws that govern them.

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 2025-01-04 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:
My consumer report is showing information that I have not authorized even after informing all parties that I have denied authority and demanded correction. They refuse to follow the federal laws that govern them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/year> I paid off one of my loans and received a confirmation email from Mohela, my loan servicer containing information regarding my payment : Mohela Account # : XXXX Payment Confirmation # : XXXX Amount : XXXX {$10000.00} Scheduled For : XX/XX/year> Mohela has not removed the loan from my account in over a month after paying it off or displayed in my account history that I paid it. I called Mohela and the representative did not know what to do. They were unable to help and told me to wait 7 days. I did wait the 7 days and then called again when the payment was not added to my account. I waited over 2 hours on hold and finally spoke to another representative who said the loan payment would post to my account within another 7 days. My payment did NOT post to my account and it has been nearly a month. Interest at over 8 % continues to be added to this loan even though I paid it. Mohela lost my payment and according to the representative, they don't really have a protocol for handling this or helping me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I am disputing a debt with XXXX XXXX XXXX and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that XXXX XXXX XXXX has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts.

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA.

I am filing this complaint to request assistance from the CFPB in ensuring that XXXX XXXX XXXX provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.

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 2025-01-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Due to the recent data breach I was affected. My personal data was shared on the dark web. I would like these items to be removed off my credit history.

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 2025-01-04 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Due to the recent data breach I was affected. My personal data was shared on the dark web. I would like these items to be removed off my credit history.

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 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need these dispute claims to be reopen for XXXX for {$55.00} {$55.00} reference number is XXXX and for {$30.00} reference XXXX and reopen and investigate again and change to fraudulent dispute type because I disagree with the disputes decision saying I didnt unauthorized both payments it is fraudulent and I have contacted XXXX and they told me to dispute its with my bank and for {$30.00} Confirmation : XXXX and {$55.00} Confirmation : XXXX. Look at my attachments below please etc.

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 2025-01-04 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: NC

Complaint narrative:
It is a data breach and I need all the outstanding and charges off my account cause they aren't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of imitations. You failed to investigate this account properly and your neglect has violated my nights. I gave you guys two chances to investigate this account and it still has factual errors. I am now demanding a deletion to, the following account : XXXXXXXX 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 2025-01-04 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint Number ), filed on ( FTC Complaint Date ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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