vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-02 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: CA

Complaint narrative:
As a result of a data breach, my personal information was exposed, leading to the creation of unauthorized accounts and credit inquiries on my credit report without my knowledge or consent. I did not initiate these accounts or inquiries, yet they continue to appear on my report, negatively impacting my credit profile. Despite my attempts to address these inaccuracies, they remain unresolved, causing serious concerns about the security of my personal data and the reliability of 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
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
After reviewing a copy of my credit report, I noticed that I had some fraudulent accounts on my report. Please remove these accounts from my credit report, they are impacting my ability to obtain credit. I do not recognize nor authorize these 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 non-monetary relief
Consumer complaint received 2025-01-02 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:
Experian is reporting XXXX Account Numbers XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX as a charge-offs in the amounts of {$1300.00}, {$440.00}, {$740.00}, & {$210.00}, respectively. 
. 
My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Although the original creditor has already received a tax break for writing these 4 accounts off as profit loss and reported said accounts to the IRS as my income ( via the 1099-C that I never received ), the accounts continue to be reported as charge-offs on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as charge-offs on my credit report grounds me to seek statutory damages and the involvement of the IRS. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file, prohibits me from purchasing a home, causing emotional 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
I sent Fay Services all the information they requested repeatedly They still refused to give information on my fathers house so we could sell the issue Countless calls countless emails with rude employees and we still had no information to relieve the foreclosures in four days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX has continued to harass me and others since purchasing this KNOWN FRAUDULANT DEBT from XXXX XXXX. In 2021 someone made multiple fraudulent purchases in my name including one at XXXX XXXX. I have never used this merchant. My bank identified it immediately as part of the compromise to my finances and accounts and ruled it as fraud, notified XXXX XXXX and reversed all charges. 
At that time, the debt was sold to XXXX who began harassing people mercilessly. A complaint was filed, a CFPB complaint was filed, and all three credit agencies were notified that the collection added at that time was indeed fraudulent and XXXX is aware of that. 
The collections were removed from my file at that time. 
XXXX, knowing the " clock '' is running out on the debt has begun aggressive attempts again, in bad faith, and knowing the debt has been deemed fraud and already removed prior on multipole occasions, resumed calling, and threatening again. The XXXX agent stated they did not care who the debt belonged to, if it were fraud, etc. and stated they would damage my credit intentionally to cause me harm and force me to pay the debt regardless of its fraudulent status. They readily admit it had been established that this debt has been determined to be fraud in the past. 
XXXX further stated they saw I had applied for loans and was making soft pulls looking at autos and would sabotage that. 
Indeed, XXXX has done this and has intentionally and with malice aforethought once again filed a collection on the fraudulent debt that they are very aware I am not responsible for, my bank has ruled as fraud and charged back to the original merchant, has been removed from my file multiple times, and once again filed a collection on all three agency files to intentionally cause me mental anguish, financial hardship, cause the denial of loans to leave me without transportation, harm my future employment status, leave me unable to seek medical attention for myself as a XXXX individual with limited mobility, place my XXXX son at risk and unable to seek therapies, treatments, and educational opportunities solely to force me to pay XXXX a debt I do not nor never have had a responsibility for and XXXX admittedly state they are aware of my lack of responsibility. 
All of this is documented by bad faith and predatory behavior that the firm has exhibited and has a known systematic pattern of documented behavior and legal filings from consumers against XXXX. 
I would demand that XXXX remove the collection from my file immediately, compensate me financially for the FCRA violations they are in contempt of, and that all three major credit agencies IMMEDIATELY remove the collection from my file, or they too face repercussions.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and anxiety that affects every aspect of my daily life. The psychological impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
I kindly ask for your assistance in reviewing the accounts from companies inaccurately reporting late payments. After losing my job, I requested that the late payments be forgiven, which they agreed to, yet they are still being reported. Despite my efforts to follow up, I have received no updates, making this my last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-01-02 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: CA

Complaint narrative:
I am reaching out to address multiple issues with my credit report, including incorrect account entries, an unknown collection, unauthorized credit inquiries, and reporting discrepancies. Your support is essential in resolving these matters to safeguard my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
I am writing about an account that appears on my credit which I have previously asked you to investigate but you have refused to do so properly the informations on my credit report regarding the XXXXXXXX XXXX XXXX XXXX  account ( XXXX XXXX ) Upon reviewing my credit report, I noticed multiple discrepancies that require immediate attention this comes after you've previously investigated and reinvestigated The specific issues are as follows Repeated Charge-Off Reporting : The account has been reported as " Charged Off '' multiple times, month after month, which is inaccurate. As per the Fair Credit Reporting Act ( FCRA ), an account can only be charged off once and should not appear as repeatedly charged off in subsequent months, This practice is inaccurate and misleading, as a charge-off is a one-time event, not an ongoing status. Repeatedly reporting the account as charged off inflates the negative impact on my credit report, this is an update to the payment history this inaccurate information falsely manipulates the status of limitation. 

Balance Exceeds Credit Limit : The account reflects a balance of {$2300.00}, which significantly exceeds the credit limit of {$900.00}. This discrepancy is misleading and may not accurately represent the account 's actual financial standing.

Delinquency Reporting Inconsistencies : The reported delinquencies, including " Maximum Delinquency of 120 days in XXXXXX/XX/year> and XX/XX/year>, '' do not align with other entries on the report or documented payment history. 

However, no substantiating documentation or evidence was provided to verify this delinquency, as required under the FCRA. Under 15 U.S. Code 1681s-2 ( b ), furnishers of information are required to ensure the accuracy and integrity of the data they provide to credit reporting agencies. The inaccuracies outlined above demonstrate non-compliance with this requirement. you failed to investigate this account properly your neglect has violated my rights and caused me enormous amount of distress i'm demanding a deletion of this account

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 2025-01-02 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: GA

Complaint narrative:
Transuion is reporting a account on my credit report as being charged off but has an unpaid balance of {$400.00}. A charge off should not have a unpaid balance,

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