vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: PA

Complaint narrative:
I submitted proof to experian for past year, it was proven the information was wrong, and it was continuously reported for two years, under the carmax account, which after two years of incorrect reporting of payment history, balance and status of the account, Experian allowed XXXX to update information after reporting incorrect information for two years. Experian has now stopped me from online reporting and using my account to dispute XXXX account, and each time I submit more information, the response is provide more information or can not dispute this account. I am not able to log in and dispute this account under Experian, they have stopped me from disputing under my account, and continued to reject any of my disputes for XXXX and the only response to my dispute, Experian can not accept my dispute and refuse to my account under dispute or properly make any changes. In two years, one change was made after I proved the information was reported inaccurate for two years, which gave proof the reporting was incorrect for two years, and the account was lawfully to be deleted, however after two years of illegal reporting, XXXX was allowed to update instead of deleting and the remainder of the disputes have been rejected.

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 2025-01-12 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: GA

Complaint narrative:
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX Reference Number : XXXX Reason : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Seeking compensation for {$4.00}, XXXX dollar maybe more from the credit beuros like Experian XXXX and XXXX who refuses to open an investigation to clearing my old record that has been on there for more than 7 years yet it still gets passed off to multiple people and should be dropped off my report looking more help in my new case

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 2025-01-13 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against XXXX, Equifax, XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XX/XX/year>, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that XXXX, Equifax, XXXX continue to furnish information related to my account with XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX, Equifax, XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX, Equifax, XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, Equifax, XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against Experian, XXXX, XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XX/XX/year>, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Experian, XXXX, XXXX continue XXXX furnish information related to my account with XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Experian, XXXX, XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Experian, XXXX, XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Experian, XXXX, XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 26 critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
I am a victim of a Data Breach and Identity Theft. Please block and delete the following account within XXXX business days under the Fair Credit Reporting Act Section 605B, 15 U.S.C 1681c-2. Please delete and block the following account : 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 2025-01-12 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, XXXX for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to XXXX, Equifax, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, Equifax, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, Equifax, XXXX. 
I believe that XXXX, Equifax, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, Equifax, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I started receiving text messages stating that my account was due for amount of from concora credit. I called the XXXX inquiry about the message and provided my mail address and phone number. The repersentive of XXXX stated that XXXX was no longer in business and that the company sent all account connections with XXXX furniture to them and that I had a balance of {$130.00} due on the account. I mention to the representative that I had already paid out the balance on the account in stores did not have any remaining balance left over and ask that the representative prove information of the remaining balance. I confirmed my mailing address as well as email and the representative stated that they would provide the information months past no mail of phone calls only text message stating a balance due. I contact the company again requesting the information as well as dispute with XXXX. No documents were provide and received I submitted another dispute with experinan XX/XX/XXXX awaiting response as well as contact the company requesting the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Re ; SPECIFIC CUSTOMER MORTGAGE STATEMENT REQUESTED, DATED XXXX or XXXX OF XXXX, From, XXXX # XXXX The Wells Fargo, We cant find it reply is unacceptable and obvious BS. Wells Fargo has claimed to the Courts and to the CFPB these monthly statements exist as recent as their XXXX XXXX, XXXX CFPB response. I have been asking for these statements since XXXX. 
12 years of one excuse after another. 

WITHOUT RETAINED RECORDS, How is Wells Fargo able to? 
Defend themselves in the upcoming Mediation? 
On XXXX SEND ME A CHECK for {$1600.00}? 
On XXXX XXXX, XXXX in CFPB response case # XXXX send me a Wells Fargo correspondence XXXX XXXX XXXX? 

This is the core of the Banks deception ; they have consistently lied to Foreclosure XXXX and XXXX agencies like the CFPB. 
At what point are the harmed consumers going to see relief from the CFPB Civil {$1.00} XXXX Civil Penalty Fund collected from Wells Fargo? Where are these Tens of Millions of funds going?? 
DOES THE CFPB ACTUALLY REVIEW THESE CIRCUMSTANCES, OR DOES AN ANNONIMAOUS OVERPAID WORKER FROM HOME, JUST CLICK CASE CLOSED BASED ON EVERY LAIM RESPONSE FROM THE BANK? 
CC ; CFPB XXXX, XXXX XXXX Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX Banking 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 2025-01-12 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security XXXX Consumer Date of XXXX, Contents of Complaint : This CFPB complain has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information 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 a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquires XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry Date : XXXX XXXX XXXX XXXX Inquiry XXXX : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 non-monetary relief
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$3100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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. 
NAMES NOT RECOGNIZED XXXX XXXX XXXX TELEPHONE NUMBERS NOT RECOGNIZED XXXX, XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX WAR XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES NOT RECOGNIZED XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-12 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Eastern account systems XX/XX/XXXX amount XXXX conflict not resolved XXXX collections XX/XX/XXXX amount XXXX conflict not resolved Transworld systems inc XX/XX/XXXX amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Monterey Financial Services LLC
State: GA

Complaint narrative:
Eastern account systems XX/XX/XXXX amount XXXX conflict not resolved Monterey collections XX/XX/XXXX amount XXXX conflict not resolved XXXX XXXX XXXX XX/XX/XXXX amount XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX **General Counsel** Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : ** Notice of Dispute and Demand for Relief Under Arbitration Agreement Dear General Counsel, This letter constitutes a formal **Notice of Dispute** in accordance with the arbitration agreement outlined in Equifax 's terms. It addresses XXXX failure to properly resolve my dispute regarding the fraudulent accounts listed below and the subsequent violation of the Fair Credit Reporting Act ( FCRA ). 

# # # Nature and Basis of the Dispute On XXXX, I submitted a written dispute to Equifax regarding XXXX following accounts, requesting their immediate removal or verification : XXXX. **American XXXX XXXX on XX/XX/XXXX ; Account XXXX : XXXX XXXX XXXX XXXX XXXX. **XXXX* Opened on XX/XX/XXXX ; Account XXXX : XXXX XXXX XXXX. **XXXX XXXXXXXX XXXX on XX/XX/XXXX ; Account Number : XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account XXXX : XXXX XXXX XXXX. **XXXX** Opened on XX/XX/XXXX ; Account Number : XXXX XXXX. **XXXX** Account Number : XXXX Despite providing all required documentation, including : - A copy of my government-issued identification, - Proof of my current address, and - A police report detailing identity theft, Equifax failed to resolve my dispute within the required 30-day period as mandated by **15 U.S.C. 1681i**. Equifax also did not provide any valid verification of the accounts as requested. 

# # # XXXXelief Sought Pursuant to the FCRA and the arbitration agreement, I am demanding the following : 1. Immediate removal of all fraudulent accounts listed above from my credit report.

2. Statutory damages of ** {$1000.00} per violation** for each account listed, totaling ** {$6000.00} USD**.

3. Written confirmation from Equifax that these accounts have been permanently removed from my report.

# # # Request for Resolution I request that Equifax resolve this dispute and provide the relief outlined above within **30 days** of receipt of this Notice. Failure to reach an agreement within this timeframe will result in the initiation of arbitration proceedings under the terms of your agreement.

# # # Arbitration Information If arbitration becomes necessary, I intend to proceed in accordance with the **AAA Consumer Arbitration Rules**, and I will pursue all remedies available to me under the law. Please be advised that Equifax will be responsible for all associated arbitration fees as stipulated in the agreement.

# # # Contact Information You may contact me at : - Phone : XXXX - Email : XXXX # # # Enclosures XXXX. Copy of my government-issued ID. 
XXXX. Proof of address. 
XXXX. Police report detailing identity theft. 

Thank you for your prompt attention to this matter. 

Sincerely, **Isiah XXXX XXXX

Company response to consumer: Closed with non-monetary relief