vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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.

Complaint narrative:
In XXXX I was looking to buy the house hence I checked my credit report and found some of the wrong addresses, phone number, credit cards and employment history. I called them several times to fix the issues as my closing was approaching. I provided them with all the necessary information and documentation so it can be fixed before closing and they kept telling me it ll be done. Despite doing all that and calling them twice a day I couldn't close deal on time so I had to pay fine and fee for extension. I suffered financial issues and mental harassment as they weren't really helpful. 
Even today I see some of those accounts under my name and they have added few more new things which doesn't belong to me. But I am scared to call them as I don't want to go through the same stress again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: VA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-29 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report. They are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CBC Companies, Inc.
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I believe my information may have been part of a data breach Ive never been late for my payments and Ive tried walking into the institution to talk with someone I was told this was a mistake from their end and would be handled immediately but still nothing has happened and Im asking for this lates be removed for my account Ive worked to hard for a mistake to take place on my credit. 
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 2025-01-29 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 2025-01-29 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: NM

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These items remain unverified and raise serious concerns about their legitimacy . I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally address concerns regarding Experian 's non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding the following sections : XXXX. XXXX XXXX. XXXX This section mandates that consumer reporting agencies must not report any adverse information that is more than seven years old, with certain exceptions. If Experian has reported any information beyond this time frame, it is in violation of this statute. 

XXXX. XXXX XXXX. XXXX This section outlines the permissible purposes for which a consumer report may be obtained. If my report has been accessed or shared without my consent or for an impermissible purpose, Experian is not in compliance with this provision. 

XXXX. XXXX XXXX. XXXX As this section relates to the requirements for the accuracy and integrity of information provided by consumer reporting agencies, any inaccuracies or failure to verify information could suggest that Experian is not adhering to this standard. 

I request a prompt investigation into these matters and a response detailing the steps Experian will take to ensure compliance with the FCRA. 

I request that the following items be removed from my credit report due to non-compliance with the aforementioned FCRA provisions : Names XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America someone hacked my Bank of America account and purchased XXXX dollars from the Dollars store on a gift card there. Ever since I have been getting telemarketers asking for my social. On top of that, I have XXXX XXXX and they stole his money right out of his account because his account is linked to mine. I called Bank of America and they pay me back but my son account now has a freeze on it and his job giving him problems they are not handling the situation good enough for me

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 2025-01-29 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: PA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-29 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: PA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
Returned a XX/XX/XXXXorder and XXXX confirmation shows it was delivered. XXXX refused refund despite delivery and now cash app says they don't have to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true 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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Debt collection company claims I have a XXXX XXXX XXXX. I personally have not signed up for such credit card. The Debt collection company is called Spring Oaks Capital , LLC. Sent me a text, wanting me to set up something to pay whatever it is off. I refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: KY

Complaint narrative:
am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX XXXX XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
My information was exposed in a data breach, and my identity was stolen. I have requested a proof of Dept on multiple occasions, last time was XX/XX/year>, and they have not responded. That is over the 60 days they are allotted. I have filed several disputes. Confirmation # Dispute : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
I am writing to request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the notice ], which states that I owe a debt to turner acceptance. 

Please provide the following details for verification : The amount of the alleged debt. 
The name of the creditor to whom the debt is owed. 
A detailed explanation of the charges and any supporting documentation showing that I am the responsible party for this debt. 
A copy of any judgment ( if applicable ). 
Proof of your authorization to collect this debt on behalf of the creditor. 
Please provide this information within 30 days of receiving this letter. Until the debt is validated, I request that you cease all collection activities, including reporting this debt to any credit bureaus. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I started to notice that every time I made a payment via transfer to my Bank of America credit card from my Bank of America checking account, the payment would not post immediately. Sometimes it took up to one week before it would post. I had already been told by a rep there when I started making my credit card payments at first to make my payments by transferring the payment from my checking account to my credit card account. This is how I was doing it and the payments started posting late causing them to charge me a {$40.00} late fee and my credit card to be eventually closed because of the late payments. I called in on XX/XX/year> and spoke with a rep at Bank of America who told me that the bank I was using to make my credit card payments was not posting the payments until after the due date causing me to get the {$40.00} late fee and my minimum due to increase and ultimately my card account to be closed. I told that rep that the checking account I was using to make my payments was, in fact, a Bank of America checking account and I was told to make my payments in this manner by a Bank of America rep. Also, I was under the impression that when you made a transfer it happened immediately but not in my case causing it to look like I was making late payments and had 2 payments due at the same time then closing my account. My payment never posted immediately. She realized the problem was with them but offered no resolution to the problem.

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 monetary relief
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Consumer Financial Protection Bureau Dear Consumer Financial Protection Bureau, Subject : Complaint Regarding Fraudulent Reporting of Items Related to Identity Theft Account # XXXX I am writing to formally file a complaint regarding fraudulent items reported on my credit file that are directly linked to a data breach in which my personal information was compromised. As a result of this breach, I have been a victim of identity theft, and the items listed by PORTFOLIO RC are not only inaccurate but also violate consumer protection laws related to the fair and accurate reporting of credit information. 

Details of the Complaint My personal information, including my Social Security number and other sensitive data, was exposed in a data breach. 
Since the breach, I have discovered unauthorized accounts or transactions reported by PORTFOLIO RC, which I did not initiate or authorize. 
Despite disputing these items with the company and providing proof that they stem from identity theft, they have failed to adequately investigate and remove these items. 
This companys actions break provisions of the Fair Credit Reporting Act ( FCRA ), particularly : The duty to investigate disputed items thoroughly. 
The obligation to ensure the accuracy of items reported to credit bureaus. 
Impact on Me These false reports have negatively impacted my credit score and caused financial and emotional distress. I have taken every step within my power to rectify the situation, including : Filing an identity theft report with the Federal Trade Commission ( FTC ). 
Placing fraud alerts on my credit file with all major credit bureaus. 
Contacting the reporting company directly to dispute these items. 
Despite these efforts, the company has failed to comply with its legal obligations, leaving these fraudulent items unresolved. 

Requested Next Steps I am requesting the Consumer Financial Protection Bureau to take the following actions : Investigate the actions of PORTFOLIO RC regarding their failure to address fraudulent items stemming from identity theft. 
Require the company to remove all inaccurate or unauthorized items from my credit file immediately. 
Impose any applicable penalties on the company for failing to comply with FCRA regulations. 
Ensure the company implements stronger measures to prevent such negligence in the future. 

Supporting Documentation Enclosed with this letter are the following documents to support my complaint : A copy of my FTC Identity Theft Report. 

Thank you for your attention to this matter. I trust that the CFPB will act promptly to resolve this issue and hold the company accountable for its failure to comply with federal regulations. Please do not hesitate to contact me at XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation