vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and misleading information reported on my credit report by Comenity Bank. After reviewing my credit report, I have identified several discrepancies that I believe require immediate attention and correction, this has been going on for years. am writing to formally file a complaint regarding inaccurate and misleading information reported on my credit report by Comenity Bank. After reviewing my credit report, I have identified several discrepancies that I believe require immediate attention and correction. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies and furnishers to report accurate information. Additionally, Comenity Banks actions may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, by using misleading representations to collect or report debt, causing harm to my credit standing. 

The false information has negatively impacted my XXXXredit score, resulting in denied credit applications and higher interest rates, which has caused significant financial damage. This situation is a clear violation of my rights under federal law, and I request that the CFPB intervene to ensure that Comenity Bank corrects this misinformation promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

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 non-monetary relief
Consumer complaint received 2025-01-03 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Address ] [ City, State, ZIP Code ] Subject : Request for Deletion Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report XXXX. Validate Account SXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX & XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Signature ] [ Your Printed Name ]

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 2025-01-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I requested an update of explanation from SYNCB/CAR CARE SYN CAR. The credit card was paid in full on XX/XX/year>. Due to timing of the payment made fees were charged. After calling customer service the fees were reversed and noted on the attachment included. Due to the timing of SYNCB/CAR CARE SYN CAR making the corrections they charged other fees on top of their own fees that were incorrect. I have spoke with multiple customer service reps and supervisor and they make a correct I receive a letter showing the fees were removed and they never update the credit report. The payment was never late and it has been showing late since 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 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I am a victim of impersonation fraud through XXXX. On XX/XX/XXXX I received what I believed was an emergency text from my son requesting {$1300.00} for an urgent bill payment. The scammer exploited XXXX 's instant transfer feature and my lack of awareness about its risks, as neither XXXX nor City National Bank had adequately disclosed that : XXXX. XXXX transfers are instant and irreversible XXXX. XXXX provides no fraud protection for authorized transfers, unlike credit cards XXXX. The platform lacks basic security features to help prevent impersonation scams Under the CFPB 's recent FAQ guidance on peer-to-peer payments and Regulation E ( published XX/XX/XXXX ), banks must : - Investigate and reimburse consumers for unauthorized transfers - Properly determine whether transfers were authorized- Consider whether the consumer was fraudulently induced when determining authorization The scammer fraudulently induced me to make this transfer by impersonating my son. I was not adequately warned about the risks of XXXX transfers or protected against this type of fraud. 

I reported this fraud immediately to XXXX and City National Bank but received no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/year> my banking accounts were hacked. Funds were transferred between accounts in an effort to withdraw from my checking account. {$7700.00} was charged to my overdraft protection card ( credit card ). I immediately called the bank when I figured out what was happening. They blocked the accounts from use while I was on the phone and stopped the transferred funds from being withdrawn. Apparently, the funds from the credit card were transferred to my checking account ( which I had NO ACCESS to as all accounts were blocked when I reported the issue. I have asked the bank to review the phone call I made on XX/XX/XXXX as the hacking was occurring to ascertain that I was unable to access any funds on my account as I reported the theft. 

The bank has acknowledged that the funds withdrawn on the credit card were a result of unauthorized use. The bank contends that I am still responsible for those funds because the bank was unable to locate those funds when they tried to reverse the transaction. Essentially, the funds disappeared from my checking account while I had no access to it and they are counting me responsible for that. 

I have contacted Wells Fargo repeatedly and have received the same answer from them each time. I am responsible for funds that I had no access to. My inability to access the accounts due to the banks blocking measures aligns with my claim that I am not responsible for the funds ' disappearance.

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 2025-01-03 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: Nelnet, Inc.
State: GA

Complaint narrative:
The Department of Ed / NELNET has placed XXXX accounts on my credit profile without my authorization. 

15 USC Sec. 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
I dont remember the dates but I always was told someone would contact me but never did Lexington law firm charged me XXXX for over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: WI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent them a debt validation they cant validate the debt I asked them to removed it from my credit they did and I also ask them to stop any type of communication with me they agree to it. Now they contacted a third party another person about my debt they sent an email to someone that I know. And they also violated Many laws they just contact me again and even I told them to not contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Dispute Letter, Debt Validation Request & Immediate Update Request Round Point Mortgage : Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Note that none of these are currently collections accounts, but they all contain many inaccuracies in each account that reflects negatively against my credit ) I am writing regarding the above-referenced accounts, which currently shows a balance and was reportedly charged off due to non-payment during the XXXX pandemic. Under the XXXX XXXX, individuals and businesses were provided relief measures to mitigate the financial impact of the pandemic. My financial difficulties during this time were directly attributable to these unprecedented circumstances. 

Dispute of XXXX & reporting : I respectfully request a thorough review of this account. The balance shown does not appear to accurately reflect the provisions of the XXXX XXXX  or the potential assistance I may have been entitled to during the XXXX period. I request documentation showing the exact charges, credits, and adjustments made to this account during the relevant time frame. 

Request for Form XXXX If this debt has been canceled or XXXX, I request that you provide me with a copy of IRS Form XXXX for the account in question, as required by federal law. This form is essential for my tax reporting purposes and to confirm the status of this debt. 


Debt Validation Request from XXXX Bank : Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : XXXX. Validation of the debt, including the original agreement establishing this account. 

XXXX. A detailed accounting of the current balance, showing how the total balance was calculated. 

I trust that you will address this matter promptly. Please respond in writing within 30 days of receiving this letter. You may reach me at XXXX if additional information is needed to process my requests. 

Thank you for your attention to this matter.

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 2025-01-03 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: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX alerted me to a hard inquiry on my XXXX credit report. This alert led to me check all other credit bureaus for new inquiries. While examining my Experian report I noticed that a hard inquiry had been made against that report also, on the same date ( XXXX ) but for a different company. The XXXX report showed the inquiry was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have dealt with that as a separate case. My Experian report showed a hard inquiry for XXXX. This is the inquiry I would like to address with this complaint. 
As stated, it was dated XXXX XXXX, XXXX. I did not make any requests for credit on that date or in the weeks prior. I also never requested credit from XXXX. I called XXXX ( the company ) and they were only able to confirm that there wasn't an account under my name/soc. sec #. and they advised that they wouldn't be able to provide any details on the inquiry. They suggested that I reach out to the credit bureaus to try and resolve the issue. I submitted a dispute with Experian and I am awaiting their update. In the meantime, I am following the same steps I was advised to take with the hard inquiry found on my XXXX XXXX report, and I am opening a complaint with CFPB so that I can provide the report number to Experian, if requested. I have also put a freeze on my XXXX and Experian credit reports.

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 2025-01-03 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: PA

Complaint narrative:
I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! 

I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report. 

My most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am extremely disappointed that the information you have provided is not accurate and does not meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. I have attached my dispute and have thoroughly explained in detail the violations that has been unjustly taken against me and have violated my rights while destroying my credit and making my financial situation unbearably difficult to live and financially survive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
Lexington law firm just recently took money out my account in XXXX XXXX XXXX without permission. Have used them and I see they owe money to people and they owe me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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