vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my correct report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible. 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 2024-12-02 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX, a debt collecting company, reported to my credit report. I informed them I did not owe them a debt and refused to pay them, that I never signed a contract with them, and citing15 USC 1c92c ( if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer ). Putting anything on my credit report is a form of communication and is a violation of the law.

I sent Equifax a copy of the letter ( along with identity verification ), and cited 15 USC 1692c as well as 15 USC 1681 ( a ) 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. 

The violations on my credit report is from the following agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for a collection account XXXX XXXX XXXX XXXX, {$1200.00}, account XXXX. ) XXXX XXXXXXXX, {$1200.00} account XXXX. XXXX XXXX XXXXXXXX, {$2100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by lawand they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, Trasunion and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for a collection account XXXXXXXX XXXX XXXX XXXX, {$1200.00}, account XXXX XXXX XXXX XXXXXXXX, {$1200.00} account XXXX XXXX XXXX XXXXXXXX, {$2100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by lawand they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  todays date XX/XX/year> Account name CELTIC BANK/CONTFINCO Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> Contact info Phone number ( XXXX ) XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of this debt. Please provide the following information : 1. **The amount of the debt** : A detailed breakdown of the amount you claim I owe, including any fees or interest. 2. **The name of the original creditor** : The name and address of the original creditor to whom the debt was owed. 3. **Proof of the debt** : Documentation that shows I agreed to pay the debt, such as a signed contract or agreement. 4. **Verification of your authority** : Proof that you have the legal right to collect this debt, including any documentation that shows the transfer or assignment of the debt to your agency. Please consider this letter a formal dispute of the debt until you provide the requested information. Additionally, please cease all collection activities until this debt has been validated. Thank you for your prompt 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried for months to get this information removed and disputed with proof and this company isnt working on my file, and hasnt been for months regardless of the police report and proof of data breach from their company as well. I have disputed these accounts and they have still not blocked them. They are refusing to block them regardless of the fraud Ive told them I had on my 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 2024-12-01 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:
I am writing to formally request the removal of a fraudulent account from my credit report and to exercise my legal right to opt out of your reporting services in relation to this matter.

As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies such as Equifax and XXXX are required to handle consumer data with fairness, impartiality, and respect for the consumer 's privacy. This includes ensuring that no consumer information is reported without explicit consent.

The Gramm-Leach-Bliley Act, 15 U.S.C. 6801, further protects my personal information, mandating that financial institutions and those who furnish information to credit reporting agencies must respect my privacy and the confidentiality of my nonpublic personal information. I have not provided consent to either Equifax or XXXX to share my personal data or information related to any accounts opened in my name, including the disputed XXXX account. 

Furthermore, 15 U.S.C. 1681b and 15 U.S.C. 1681c ( a ) ( 5 ) prohibit the reporting of certain adverse information beyond a specified period, and require consumer consent to furnish data to credit agencies. Since I did not authorize the creation of the XXXX account in question, the account is an unlawful and unauthorized entry on my credit report.

Additionally, 15 U.S.C. 1681s2 ( a ) ( 1 ) clearly states that no person may report inaccurate information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is incorrect. Since I did not authorize the account and it appears to be fraudulent, the furnisher of information has violated this requirement.

As a consumer, I am also exercising my right to opt out of your reporting services. Under 12 C.F.R. 1016.7, I have the right to opt out of having my information shared with third parties, and I am exercising that right immediately. 

I request that the fraudulent account associated with XXXX XXXX be removed from my credit report, as it was opened without my knowledge or consent. I further request that you confirm in writing that the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been removed and that my privacy rights have been upheld in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent account from my credit report and to exercise my legal right to opt out of your reporting services in relation to this matter.

As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies such as XXXX and Experian are required to handle consumer data with fairness, impartiality, and respect for the consumer 's privacy. This includes ensuring that no consumer information is reported without explicit consent. 

The Gramm-Leach-Bliley Act, 15 U.S.C. 6801, further protects my personal information, mandating that financial institutions and those who furnish information to credit reporting agencies must respect my privacy and the confidentiality of my nonpublic personal information. I have not provided consent to either XXXX or Experian to share my personal data or information related to any accounts opened in my name, including the disputed XXXX account. 

Furthermore, 15 U.S.C. 1681b and 15 U.S.C. 1681c ( a ) ( 5 ) prohibit the reporting of certain adverse information beyond a specified period, and require consumer consent to furnish data to credit agencies. Since I did not authorize the creation of the XXXX account in question, the account is an unlawful and unauthorized entry on my credit report. 

Additionally, 15 U.S.C. 1681s2 ( a ) ( 1 ) clearly states that no person may report inaccurate information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is incorrect. Since I did not authorize the account and it appears to be fraudulent, the furnisher of information has violated this requirement.

As a consumer, I am also exercising my right to opt out of your reporting services. Under 12 C.F.R. 1016.7, I have the right to opt out of having my information shared with third parties, and I am exercising that right immediately. 

I request that the fraudulent account associated with XXXX XXXX be removed from my credit report, as it was opened without my knowledge or consent. I further request that you confirm in writing that the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been removed and that my privacy rights have been upheld in accordance with federal 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 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
denied for loan for possible fraud due to legal name change. when I tried to explain multiple times my name has changed and was willing to send court ordered documents they denied my loan anyway and said i had to reapply in 30 days. then they lied and said I was supposed to call in when I never received anything regarding being advised that. I called in at XXXX on XX/XX/year> and the person accessing my account lied and said that they couldn't find the account. they then pulled my credit and lowered my score for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On my initial call to the mortgage company to find out how and why in the world they were trying to charge me over XXXX in preservation fees the guy I was speaking with was saying that these charges dated back to XXXX, anytime I was late on a mortgage payment a late fee is included in that then back tracked and said if I was 30 days past due. He also said that I filed a partial claim which was included. That is a completely separate loan with HUD so there should not be any costs from my mortgage. I have a payoff statement from XX/XX/XXXX with no preservation fees. But they are trying to claim from mid XXXX to beginning of XXXX of XXXX they did over XXXX in maintenance and repairs but still have not provided me with a shred of proof. They claim they have entered my house but its on a key code. Every time I ask for the work orders they tell me they will have to get with the vendor to get them. Well how can you even bill me if you have not received work orders from your vendor. Ive ask for photo proof and they say they dont have that but claim the work was done. Ive had my buyer, contractors, inspectors in the house the entire month of XXXX and no one has been there nor done any repairs. The mortgage company has also without my consent pulled another payoff after the one that was pulled and valid thru the end of XXXX for my buyer. All of this has delayed the selling of the home and paying off the loan and mortgage flat out said to me that they will not negotiate on these fees however once I payoff the loan and they determine funds should be refunded they will do that. This is NOT right and the mortgage company PennyMac needs to be held accountable for their shady actions. You would think that they would want to resolve this issue so they could get paid off but I dont feel that way. To me it seems like they want my house back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX 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 : LIST OF ITEMS TO BE REMOVED 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 XXXXXX/XX/year> 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 # ( private case number ) 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 explanation
Consumer complaint received 2024-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have disputed a charge on my card for breach of contract and service not provided. 
But the bank denied my dispute even though I had all proofs and documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XX/XX/year> To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for The consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief