vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations.

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed. 

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that Experian perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate. 

Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your immediate attention to this matter. I look forward to your response and resolution. 

Sincerely, 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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

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 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : FactorTrust , IncXXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My balance on my card it split, some of it is being charged interest while another portion of it is currently 0 % interest. I made payments in XXXX and XXXX that exceeded the part on my card being charged interest by about double. I expected the portion being charged interest to be paid off but rather they only put a small portion of those payments towards it and put the majority of the payment onto to 0 % amount. I called them and made a compliant but after a week I have yet to hear back from anyone there nor was I allowed to speak to a supervisor the day that I called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Whom It XXXX Concern : I am writing to dispute an unauthorized inquiry that appears on my credit report, which is a clear violation of 15 U.S. Code 1681b. This law strictly governs permissible purposes for accessing a consumer 's credit report, and inquiries without my explicit consent are not compliant with federal regulations.

According to 15 U.S.C. 1681b, consumer credit reports can only be accessed under specific, legally defined circumstances such as a consumers application for credit, employment purposes, or other permissible uses with proper authorization. I did not initiate or authorize this inquiry, and its presence on my credit report is both inaccurate and a violation of my consumer rights. 

I kindly request that you : Investigate this matter promptly. 
Remove the unauthorized inquiry from my credit report. 
Provide me with an updated copy of my credit report reflecting the correction. 
I have attached a copy of my photo ID and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.

Additionally, this situation violates several federal laws that protect consumers, including : 15 U.S. Code 6801 Protection of Personal Information : Requires financial institutions to protect the security and confidentiality of consumer personal information.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : Mandates that institutions must notify and obtain consent before disclosing non-public personal information.

15 U.S. Code 6803 Disclosure of Privacy Policies : Requires institutions to provide clear and accurate statements of their privacy policies.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Ensures consumer reporting agencies must adopt reasonable procedures to ensure maximum accuracy of the information in consumer reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports : Specifies that certain types of consumer transactions must not appear in credit reports.

18 U.S. Code 1028A Aggravated Identity Theft : Criminalizes identity theft and imposes severe penalties for using someones identity without authorization. 

Sincerely, 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 2025-02-06 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:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/year> RE : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I receive a copy of my credit report and found the following items to be error. See the list of errors below. Here as follows are the items in error : 1. XXXX XXXX {$640.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX XXXX {$520.00} 4. XX/XX/XXXX {$4100.00} By the provision 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 credit can not verify. I understand that under 15 U.S.C Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Sincerely yours, 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 2025-02-06 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/year> RE : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I receive a copy of my credit report and found the following items to be error. See the list of errors below. Here as follows are the items in error : 1. XXXX XXXX {$640.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX XXXX {$520.00} 4. XX/XX/XXXX {$4100.00} By the provision 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 credit can not verify. I understand that under 15 U.S.C Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 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: FL

Complaint narrative:
the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681o for negligence and non-compliance. XXXX XXXX XXXX XXXX XXXX XXXX lot XXXX XXXX Florida XXXX XXXX Subject : Notice of Dispute and Legal Non-Compliance under 15 U.S. Code 1681o Dear CFPB : I am writing to formally dispute and address negligence on your part in complying with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which governs civil liability for negligent non-compliance. The issue pertains to credit reporting problems with XXXX, Experian, XXXX XXXX and XXXX XXXX. I believe your actionsor lack thereofconstitute a negligent violation of the FCRA, resulting in [ specific harm, such as financial loss, emotional distress, or damage to your credit report ]. Facts Supporting My Claim : 1. Incident Details : I have reported to all 3 several times about problems with credit report, such as misinformation fraud and unknown open accounts in my name fraudulent and closed accounts that were sold off to debt collectors or paid and agreement with company only to still be showing on open and unresolved on my credit report 2. Your Obligations Under FCRA : As per the FCRA, you are required to correct inaccurate information, conducting proper investigations, oand or maintain compliance with reasonable procedures. 3. Failure to Comply : Despite my initial dispute letter/calls, you have failed to investigate or correct the issue. My Rights Under 15 U.S. Code 1681o : Under 1681o, you are liable for actual damages resulting from your negligence, including attorney fees and court costs, should legal action become necessary. The law obligates entities to act with reasonable care in ensuring the accuracy and proper handling of consumer information. Resolution Requested : To resolve this matter, I am requesting the following : 1. Immediate correction of specific issue including removing negative and fraudulent accounts and correcting my credit report. 2. A detailed explanation of the actions taken to rectify the situation. 3. Compensation for damages incurred due to your negligence, as outlined under the FCRA. If I do not receive a satisfactory response within 30 days, I will be compelled to escalate this matter, including pursuing legal action to enforce my rights under 1681o. I trust that you will treat this matter with urgency and take the necessary steps to address the negligence. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX Email : 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 2025-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
capital one XXXXXX/XX/XXXX collection agency XXXX XXXX XXXX XXXX. 
card and statements were being sent to XXXX XXXX XX/XX/XXXXXXXX this address has opened multiple cards in my name. 
this is not my address the company would not provide statements online to show what card was used for because account is under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was sent an email from your company saying the bank Fifth Third Bank had resolved my prepaid credit card issue. 
Since your email I have had phone calls daily, letters mailed to my house and a bad report on my credit. 
I received a letter from Fifth Third Bank saying the matter of them ( charging me late payment fees and interest on a card I requested closed, but they never did ) was fully resolved, this letter is dated XXXX. 

So now I am being harassed. I called them and told them of the letter saying it is resolved. They told me they don't care! 

And they keep calling, and now screwing up my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX XXXX XXXXXXXX XXXXXX/XX/year> Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX File # XXXX Subject : Request for Investigation and Removal of Inaccurate Collection Accounts/ Cease and Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy of certain collection accounts that have been reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be complete, accurate, and verifiable. The following accounts do not meet these legal standards and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain incorrect and/or unverifiable information, which violates the provisions set forth by the FCRA. Under Section 609 and 611 of the FCRA, I request a detailed investigation into these accounts, including full documentation proving their validity. If these records can not be verified as 100 % accurate, I demand that they be removed from my credit report immediately.

Additionally, under Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you and any third-party debt collectors cease and desist all communication regarding these disputed accounts. Any further attempts to report, collect, or otherwise take action on these accounts without proper validation may result in legal action. 
I have attached copies of my identification and supporting documentation to assist with this investigation. Please provide me with a written response within 30 days confirming the deletion of these inaccurate accounts or evidence proving their accuracy.

Failure to comply with this request may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Government-Issued ID Copy of Credit Report Highlighting Disputed Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX XXXX XXXXXXXX XXXXXX/XX/year> Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX File # XXXX Subject : Request for Investigation and Removal of Inaccurate Collection Accounts/ Cease and Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy of certain collection accounts that have been reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be complete, accurate, and verifiable. The following accounts do not meet these legal standards and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain incorrect and/or unverifiable information, which violates the provisions set forth by the FCRA. Under Section 609 and 611 of the FCRA, I request a detailed investigation into these accounts, including full documentation proving their validity. If these records can not be verified as 100 % accurate, I demand that they be removed from my credit report immediately.

Additionally, under Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you and any third-party debt collectors cease and desist all communication regarding these disputed accounts. Any further attempts to report, collect, or otherwise take action on these accounts without proper validation may result in legal action. 
I have attached copies of my identification and supporting documentation to assist with this investigation. Please provide me with a written response within 30 days confirming the deletion of these inaccurate accounts or evidence proving their accuracy.

Failure to comply with this request may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Government-Issued ID Copy of Credit Report Highlighting Disputed Accounts

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