vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX XXXX XXXX has reported my account to the credit bureaus XXXX and EQUIFAX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously spoke with a representative from this company explaining to them that I had made changes to my account, and the representative failed to update the account correctly, causing it to appear as if I made a late payment. When I called and discussed this matter, I paid off the account, and the representative stated that the negative statement would be removed from my account since it was through no fault of my own. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX XXXX has also reported inconsistent and inaccurate information to XXXX and Equifax regarding this account. Specifically, the payment status states " Pays as Agreed '' on Equifax, while XXXX reports " Paid, was past-due 30 days ''. The date of last payment is reported as XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. XXXX has already taken action and removed the account from my credit profile due to the several inconsistencies and lack of evidence from the creditor. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX XXXX XXXX  has reported my account to the credit bureaus Experian and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously spoke with a representative from this company explaining to them that I had made changes to my account, and the representative failed to update the account correctly, causing it to appear as if I made a late payment. When I called and discussed this matter, I paid off the account, and the representative stated that the negative statement would be removed from my account since it was through no fault of my own. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX XXXX has also reported inconsistent and inaccurate information to Experian and XXXX regarding this account. Specifically, the payment status states " Pays as Agreed '' on XXXX, while Experian reports " Paid, was past-due 30 days ''. The date of last payment is reported as XX/XX/XXXX on Experian, and XX/XX/XXXX on XXXX. XXXX has already taken action and removed the account from my credit profile due to the several inconsistencies and lack of evidence from the creditor. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

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 2024-12-02 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: NV

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
After reviewing my recent credit report I discovered a number of items that are not accurate and are fraudulent items. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). The fraudulent accounts are listed below. 
XXXX XXXX opened XX/XX/XXXX Account # XXXX {$300.00} XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXX {$4300.00} opened XX/XX/XXXX Account # XXXX I have sent a notarized affidavit, FTC report, and proper identification via registered mail to the credit reporting agency. According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
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 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-12-02 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: FL

Complaint narrative:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally complain about Comenitys failure to honor the terms of the hardship program I enrolled in on XX/XX/XXXX. Under this program, I was promised a 0 % interest rate, no late fees, no reporting to credit bureaus, and auto-deductions from my bank account for 60 months due to my financial hardship. Unfortunately, Comenity has not fulfilled these terms, which has led to significant damage to my credit and well-being. 

On XX/XX/XXXX, I received a letter from Comenity stating they had not received a payment for XXXX, that this had been reported to XXXX, negatively affecting my credit score, and requesting payment of {$140.00} in XXXX. I was shocked and confused by this, as I was under the impression that the auto-deduction would continue for the entire 60-month period, as promised. 

After contacting Comenity on XX/XX/XXXX, I was informed that the auto-deduction had been set up only until XX/XX/XXXX, and I had not been enrolled for the full 60 months as promised. No prior notice or reminder was given to me, and I was not informed of the termination of the auto-deduction. This failure on Comenitys part has caused me undue hardship, including financial stress, mental strain, and significant damage to my credit. 

In light of the severe impact this has had on my credit, mental health, and financial situation, I am requesting that Comenity pay the entire outstanding balance of {$2500.00} and immediately remove any late payment reporting to XXXX from my account. I do not have the {$140.00} to make a payment right now as I have lost my job, and this additional financial burden is overwhelming. This request is due to Comenitys failure to fulfill the promises made under the hardship program and the undue stress and hardship they have caused me. 

I expect immediate action and a written confirmation of the steps taken to resolve this issue, including the removal of the negative reporting. 

Thank you for your prompt attention to this matter. I look forward to your response and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OH

Complaint narrative:
XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY!

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}

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 2024-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am part of the XXXXXXXX XXXX XXXX I made my XXXX payments and was eligible for the upgrade. I did the upgrade and Im still getting charged for a loan that should have been closed. Customer service representatives are unable to help me or to escalate my concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Made a dispute when my card was stolen I was arrested, chase claimed I ran out of time to reply to the dispute so it closed not in my favor. Told them this was fraud the still wouldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
To Whom It May Concern, I recently started to investigate items on my credit report because I have huge goals to complete. I have noticed several fraudulent and inaccurate items on my credit report that I have constantly had trouble disputing. My rights have been violated according to consumer law and fair debt collection practices. Can you please investigate the accuracy of the listed items. I am certain they are being reported inaccurately. They are hindering my success, and it is imperative that they be removed immediately. 
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 USC 1681. This has caused me deep distress, as I have tried tirelessly to resolve with the credit bureaus.

In accordance with the Fair Credit Reporting act. The List of accounts shown at the end of this letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of co
nvictions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 

XXXX XXXX  XXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 

XXXX XXXX XXXXXXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 

XXXX XXXX XXXX XXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 


XXXX ( XXXX XXXX XXXX ) XXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report. 

XXXX XXXX XXXX XXXXXXXX Please investigate the completeness and accuracy of every single piece of information. When you find that there are inaccuracies, please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: UT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Move out XX/XX/year> First Contact from Columbia Debt Recovery LLC dba Genesis was by email ( from XXXX ) on XX/XX/XXXX. 

Genesis Collections has called me about a debt ( to XXXX ) that I dispute. Genesis unilaterally decided that my dispute was invalid. The name I was given for the Senior Manager I spoke to was XXXX XXXX. He gave me one hour to pay the debt or be open to credit bureau reporting. I explained that I am XXXX and hadn't received a paycheck since XXXX. He gave me " a reasonable amount of time '' to make phone calls and borrow the money or my account would be open to credit bureau reporting, one hour. This conversation is recorded. 
XXXX did not own the property at the time I moved out. They are attempting to collect on a debt that I initially disputed with XXXX XXXX XX/XX/year> and still dispute to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX am and XXXXXXXX XXXX XXXX Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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