vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
What Happened? 

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. XXXXumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX account number ending XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
company has not updated my personal info consumer report as i have previously sent.

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 2024-07-28 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent accounts and incorrect addresses that TransUnion has reported on my credit report. 

I have recently reviewed my credit report from TransUnion and identified several inaccuracies that have severely impacted my credit standing. These inaccuracies include : XXXX. **Fraudulent Accounts** : There are accounts listed on my credit report that I did not open. These accounts are fraudulent and were not authorized by me. 

XXXX. **Incorrect Addresses** : There are addresses listed on my credit report that I have never resided at or used in any capacity. 


I have already contacted TransUnion directly to dispute these items, but I have not received a satisfactory resolution. Attached are copies of my correspondence with TransUnion, my credit report highlighting the disputed items, and any supporting documentation that may help in resolving this issue. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that these inaccuracies are corrected promptly. The fraudulent accounts and incorrect addresses are causing significant harm to my credit score and overall financial well-being. 

Please confirm receipt of this letter and inform me of any additional information or documentation you may need to proceed with this investigation. I look forward to a prompt and favorable resolution to this matter. 

Thank you for your attention to this urgent issue. 

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 2024-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Can back verified without any proof of there investigation This is a violation of 15 U.S. Code 1681 ( 5 ) Removal of inaccurate invalidated credit information. Most be deleted from your credit report.From all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: SC

Complaint narrative:
I also respectfully request to be provided proof of this alleged item, specifically that these payments were in fact late. By the provisions of the consumer laws. I demand that if unable to do so or lacking proof of these payments being late, please update my payment history of PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditor who have requested a copy of my report in the last six months. Experian has recently updated my credit report as XX/XX/year>, it still says the same thing everything remain the same NO change I'm very frustrated and upset this has been going on for 5 months and NO RESOLUTION AT ALL. With all the documentation that been sent in it has never changed. I've sent forbearance letter and deferment letter no change

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reports an XXXX account on my own credit report. That account belongs to my ex spouse. We have been divorced since XXXX and keep our finances separate. I have repeatedly tried to dispute this item this year XXXX, over and over, through the Experian website and XXXX XXXX XXXX. Every single time, Experian says the account has been verified- but never, ever explains how. And has never provided evidence that I am responsible for the account. 

The account is in my ex-spouses name. She has the card in her possession. She has made all the payments from her separate funds. The bills are in her name. 

Recently, the Experian website wont even accept my online disputes. This XXXX credit account was opened by my spouse in ca. XXXX for her own sole use. I have never had an XXXX credit card. Right now, the balance on my spouses card is over {$7700.00} according to my credit report this week. Obviously this affects my credit score. 

My name is different from my spouses. Our social security numbers are different.

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 2024-07-28 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: NC

Complaint narrative:
The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. 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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
company has not updated my personal info consumer report as i have previously sent.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the company is still reporting old addresses and info on my credit report i sent a update. how am i suppose to check my mail if they send it to a mailing address i dont live at?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have always had issues paying my Big Lots Credit Card from Comenity Bank. They always needed me to have my account number to pay and I have never had access to that number until today. They always waived the late fee and helped me make my payment over the phone and they would always promise to help me log in easier in the future somehow but they never did or it never worked like they intended for some reason. Today they finally gave me my account number over the phone which they aren't allowed to do but I guess they did anyways, I was able to create my own account with my own user name and password like normal companies in 2024. So I got transferred to a supervisor and I asked her just as nicely as I have every other time I've had these issues for her to remove the big late fee and I will pay my full bill right here right now and in the future I have my own registered account that I can log into and pay the bill on my own. She said we already waived two late fees within 18 months we can't do it again and we are only allowed to do it once. I said well if you did it twice then you already broke the rules previously because you recognized that the situation wasn't my fault and its just a XXXX weird situation no one wants to have in general. All my other credit cards are paid on time I never have an issue with any of my bills except Comenity through Big Lots Credit Card. She said she can't remove the late fee and I said well I can't pay my bill until you treat me fairly and remove the late fee that's not my fault to begin with and she said whatever sir I'll just mark you down as a refusal and hung up on me. So I'm reporting Comenity because they are scamming everyone, it's not just me. A big XXXX  thread about Comenity just got started yesterday and everyone on their is coming out about their terrible experiences with Comenity and their scams. It's the absolute worst company to ever take a credit card from and I got the credit card at Big Lots. I didn't know Comenity was the actual XXXX behind the counter or else I would have purchased my XXXX daughter 's bed somewhere else. This is not how you treat humans professionally or personally, it's disgusting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the two dismissed bankruptcies currently reported on my consumer report with reference numbers XXXX and XXXX. I request that Equifax provide me with the method of verification used to confirm the accuracy of these dismissals. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and receive a detailed explanation of how the verification was conducted. Specifically, I would like to know the exact procedures and sources that were used to verify these dismissed bankruptcies. Please send the proof of the method of verification to the following return address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and by email : XXXX I expect a prompt and thorough response to this request, as it is crucial for ensuring the accuracy and integrity of the information reported on my credit file. Thank you for your attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Credit report was viewed in XXXX  where in the errors were found and reported and then again in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Disputes on my account have been updated but to only be added back with the original predator and collection agency.Frauds, inaccurate reportings, double jeopardy : deleted prior, Specifically speaking XXXX. Who sold it to CCS collection services which they deem they charge-off. 
Which I disputed and had it deleted. Also any payment, balance, charge off history reflecting XXXXXXXX XXXX and or its subsidiaries. Consumer Law Violation ( S ) exist under 15USC 1681 and 1682 Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON. 
Also they have violated the exceptions outlined for reasons to furnish or report data without disclosure and or consenting consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: DISCOVER BANK
State: MA

Complaint narrative:
Disputes on my account have been updated but to only be added back with the original predator and collection agency.Frauds, inaccurate reportings, double jeopardy : deleted prior, Specifically speaking safeco. Who sold it to XXXX collection services which they deem they charge-off. 
Which I disputed and had it deleted. Also any payment, balance, charge off history reflecting Discover card and or its subsidiaries. Consumer Law Violation ( S ) exist under 15USC 1681 and 1682 Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON. 
Also they have violated the exceptions outlined for reasons to furnish or report data without disclosure and or consenting consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting incorrect information on my credit report for my XXXXXXXX XXXX. They report that I owe {$150000.00} with the last payment date of XX/XX/2024 that was updated XX/XX/2024. The actual amount owed is {$150000.00} with a date of last payment date of XX/XX/2024. I have provided documentation of the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is incorrect for the following reasons : Your agency ( XXXX XXXX, Acct. # XXXX ) is reporting to my consumer reports TWICE! VIOLATION!! Numerous inaccuracies. One report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows High Credit reporting {$1000.00} on XXXX & {$240.00} on Equifax XXXX INACCURATE! Account Status shows on One Report XXXX XXXX XXXX reporting Derogatory, & Equifax reports Transferred. The other report shows XXXX reporting Transferred, Equifax reporting Derogatory. This is confusing! and has caused adverse affects on obtaining credit. Date Opened on XXXX report XXXX reports XX/XX/XXXX, XXXX XXXX Equifax reports XX/XX/XXXX. One Report reports XXXX XXXX XXXX shows Collection/Chargeoff & Equifax shows Current. INACCURATE! Comments show on one report XXXX reports Current & Equifax reports XXXX. Comments show on second report Charged off as bad debt. Purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX INACCURATE DATA REPORTING! On second report XXXX XXXX [ Account # XXXX ] shows Last Reported : XXXX reports XX/XX/XXXX & Equifax reports XX/XX/XXXX. 

Clearly there are numerous inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer reports from XXXX  ) REMOVE both of these accounts IMMEDIATELY!!! Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is incorrect for the following reasons : Your agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting to my consumer reports TWICE! VIOLATION!! Numerous inaccuracies. One report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows High Credit reporting {$1000.00} on Experian & {$240.00} on XXXX XXXX INACCURATE! Account Status shows on One Report XXXX XXXX Experian reporting Derogatory, & XXXX reports Transferred. The other report shows Experian reporting Transferred, XXXX reporting Derogatory. This is confusing! and has caused adverse affects on obtaining credit. Date Opened on one report XXXX reports XX/XX/XXXX, Experian XXXX XXXX reports XX/XX/XXXX. One Report reports XXXX XXXX Experian shows Collection/Chargeoff XXXX XXXX XXXX XXXX. INACCURATE! Comments show on one report Experian reports Current & XXXX reports Collection/Chargeoff. Comments show on second report Charged off as bad debt. Purchased by another lender reported by XXXX, Experian reports the name of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE DATA REPORTING! On second report XXXX XXXX XXXX XXXX XXXX XXXX ] shows Last Reported : Experian reports XX/XX/XXXXXXXX XXXX  XXXX reports XX/XX/XXXX. 

Clearly there are numerous inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer reports from XX/XX/XXXX. ) REMOVE both of these accounts IMMEDIATELY!!! Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.

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 2024-07-28 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 a victim and limited on means to transmit information ( please see attached ). My personal statement is as follows : greetings and thanks for your tme today. it appears i am victim of identify theft. my information has been stolen and used yo open credit accounts without my knowledge or consent. please block and remove all of these fraud accounts. once again, thank you and God be with us. thank you and I pray and wish that I will not be discriminated against through these means

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: HW Holding, Inc
State: CA

Complaint narrative:
This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation