vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax on XX/XX/XXXX, to ask why my credit report was not showing my creditors, ( XXXX & XXXX XXXX ). I was told to reach out to the creditors, and I did. XXXX did an investigation in XX/XX/XXXX, about reporting to Equifax. XXXX XXXX also did an investigation in XX/XX/XXXX, that shows that they are reporting to Equifax as well. Since XX/XX/XXXX, I have received a letter from XXXX & XXXX XXXX both stating that my credit file has been verified and confirmed that it is being reported to Equifax. 
From XX/XX/XXXX - XX/XX/XXXX, I have communicated with my creditors, XXXX & XXXX XXXX, and Equifax trying to get a resolution to this issue. 

Two months, later I was told on XX/XX/XXXX, by an Equifax agent that my credit file was blocked, and I needed to verify my identity. I was transferred to an Equifax supervisor on same call, on XX/XX/XXXX and was told that I didn't have an identity block and disregard that information the agent told me. 

I called Equifax back on XX/XX/XXXX and was transferred to a supervisor who told me that there was nothing they can do because my information was verified and correct and she didn't know what to tell me but to wait a couple of weeks and see if the accounts show on my Equifax report or I could reach out to the creditor again and tell them to call Equifax ( XXXX ) to confirm my information or account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I have no contract with this company they continue to impact my credit history and keep adding additional intrest rate. XXXX and XXXX is connected. I am aware of the current lawsuit. I want this removed I was affected by the breach as well. I do not owe them a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-01-09 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I attempted to contact ChexSystems to dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the neessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities.Despite my efforts to resolve the matter promptly and in good faith, I have not received any acknowledgment or response from ChexSystems, leaving the issue unresolved and continuing to impact me unfairly.

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 2025-01-09 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: EQUIFAX, INC.
State: OH

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. 

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 convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2025-01-09 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, delete appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported which are the results of identity theft and fraud. These fraudulent accounts consist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am a victim of the lawsuit the CFPB filed against EXPERIAN on XX/XX/XXXX and experian has failed to do their investigation along with send me DETAILED proof of the results of their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
My XXXX XXXX had an intermittent " won't start '' issue which did not trip a trouble code. I delt with it for a yr and RR possible causes. Eventually I decided that I had better buy a new car because I am old, sick. depressed and alone. XXXX advertised O % financing and I liked the XXXX XXXX so I went to buy one. I told the salesman that I did not want the extended warranty and when I closed they stuck papers in front of me to sign and told me they were for other things and they charged me 4 % interest and added the XXXX warranty. They would not take anything off and said they will adjust it at the end. Also, I used the wrong checking account ( I'm XXXX now and have XXXX and get confused ) and bounced a check. They charged me a late fee and I can't pay with my credit card so I have to send checks which cost me more and use stamps. My bank account was hacked and XXXX closed my account and I bounced another check and they charged for that too. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XX/XX/year> While at the shopping mall i lost my wallet and XXXX found it. During the time XXXX found my wallet XXXX was able to have his girlfriend help him commit fraud using my Social Security number and license to complete credit applications without my consent. They also obtained a fake drivers license with my information on it using a different face image. Please accept my request in consideration as i am trying to purchase a home for my family and I thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
ON XX/XX/XXXX SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.

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 2025-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX sold my debt to I c system the debt collector is trying to charge me the wrong amount about XXXX $ more than what XXXXXXXX has records I owe. The debt collector is trying to charge me money to dispute their mistake. I don't think its fair to overcharge someone let alone refuse to dispute the amount without getting paid to correct their mistakes this happened XX/XX/year>.

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 2025-01-09 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Multiple phone calls a day from multiple XXXX before/during/after business hours to collect debts too old to be pursuing- I believe these had previously been removed from my credit report and they bought them and re-reported. I have advised them several times to stop contacting me as these debts are too old and can not be collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/year> While at the shopping mall i lost my wallet and XXXX found it. During the time XXXX found my wallet XXXX was able to have his girlfriend help him commit fraud using my Social Security number and license to complete credit applications without my consent. They also obtained a fake drivers license with my information on it using a different face image. Please accept my request in consideration as i am trying to purchase a home for my family and I thank you

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 2025-01-09 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/year> While at the shopping mall i lost my wallet and XXXX found it. During the time XXXX found my wallet XXXX was able to have his girlfriend help him commit fraud using my Social Security number and license to complete credit applications without my consent. They also obtained a fake drivers license with my information on it using a different face image. Please accept my request in consideration as i am trying to purchase a home for my family and I thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
The recent CFPB lawsuit against Experian highlights a critical concern : the failure of credit bureaus to consistently provide accurate and identical consumer information. This impacts individuals across the board, hindering access to housing, loans, and even basic financial services. 
Experian, XXXX, and XXXX hold significant power in the credit reporting industry, often operating as a de facto oligopoly. The lack of effective oversight and accountability allows for inaccuracies to persist, negatively impacting consumers ' financial well-being. 
The CFPB must take a stronger stance against these credit bureaus to ensure fairness and accuracy in credit reporting. This includes robust enforcement of existing regulations and the development of stricter guidelines to protect consumers from the detrimental effects of inaccurate credit information. I have filed numerous comp complaints against all three credit bureaus with failure to comply with FRCA law and nothing ever gets done so what is the CFPB there for? I just wan na try and understand that.

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 2025-01-09 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: FL

Complaint narrative:
XXXX, XXXX and Experian are reporting repeat hard inquires on my reports. I have requested the removal of these repeat hard inquiries from my credit report on several occasions. These inquiries are negatively impacting my credit score and are in violation of consumer protection laws.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), credit reporting agencies are required to ensure that the information on credit reports is accurate and fair. Repeat hard inquiries for the same credit application or transaction are considered unfair and can result in unjust damage to a consumer 's credit score. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), creditors and credit reporting agencies must act in good faith and provide accurate information. The presence of multiple hard inquiries for the same transaction is a violation of these principles.

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 2025-01-09 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$34.00} XXXX XXXX *** Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Charged off XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXXXXXX XXXX {$29000.00} These credit accounts are the results of identity theft and fraud.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank will not assist me with the status of a dispute I filed in XXXX against Synchrony Bank. I have call Synchrony Bank over the last XXXX  days regarding my request to view my last XXXX statements XX/XX/year> - XX/XX/year> so I can check that status of a refund that was issued to me by XXXX to my XXXX store card. It takes for every get a person, and the phone, and when you do, it the situation is complained they hangup especially after asking to speak to a supervisor.

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